Dividends on Share (Savings) and
Christmas Club Accounts will be compounded every month and credited to your
account every quarter.
SHARE (SAVINGS) ACCOUNTS
|
Minimum
balance required
|
$
5.00
|
|
|
|
|
Close
account within 90 days
|
$
5.00
|
|
|
|
|
Quarterly
statement will be provided
|
|
|
|
SHARE DRAFT (CHECKING) ACCOUNTS
|
|
|
|
Stop
Payments
|
Per
Draft
Series (three (3) or more)
|
$10.00
$27.50
|
|
NSF
Drafts
|
Per Draft
|
$27.50
|
|
Overdraft Transfer
|
(Automatic)
|
$10.00
|
|
|
(Manual)
|
$20.00
|
|
Photocopy
of Draft*
|
Per
Item
|
$
5.00
|
|
|
|
*Member
must pay for any share draft photocopies ordered at the time the order is
placed.
|
|
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Monthly
statement will be provided
|
|
|
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Money
Market Accounts
|
|
|
|
Close
account within 90 days
|
$25.00
|
|
Two
(2) withdrawals per month
|
FREE
|
|
Each
additional withdrawal
|
$10.00
|
|
|
|
Christmas
Club Accounts
|
|
Close
account before October 1st
|
$25.00
|
|
|
|
Business
Accounts
|
|
Monthly
service fee
|
$17.50
|
|
Minimum
balance required of
|
$
5.00
|
|
|
|
Bill
Payment
|
|
Monthly
service fee
|
FREE
|
|
Enrollment Fee |
FREE
|
ATM Cards
An automated teller machine (ATM) card is the property of Bay Pines Federal
Credit Union, which may, without liability or advance notice, revoke or
limit any or all cards used. The ATM card can be used for cash withdrawals,
deposits, transfers. We reserve the right to impose a dollar limit on cash
withdrawals made by use of the ATM card within a single day.
Monthly statements will be provided that list the location of any
ATM transaction made.
|
ATM
Card / Money Link Audio
Response Access
|
FREE
WITH NEW ACCOUNT
|
|
Point
of Sale (POS)
|
$0.50
|
|
Network
ATM Transactions
|
$
1.00
|
|
BPFCU
"ADVANTAGE 24" Transactions
|
FREE
|
|
|
|
Debit
Card
|
|
Lost
card, or replacement card
|
$40.00
|
|
Hot
Card
|
$35.00
|
|
NSF
Fee
|
$27.50
|
|
Chargeback
Fee
|
$27.50
|
|
|
|
Visa.
Card (Classic)
|
|
Lost
card, or replacement card
|
$25.00
|
|
Increase
limit by phone
|
$15.00
|
|
Late
payment fee*
|
$15.00
|
|
Over
credit limit
|
$15.00
|
|
|
|
Monthly
statements will be provided on accounts with balances.
|
|
|
|
|
|
Visa.
Card (Gold)
|
|
Lost
card, or replacement card
|
$35.00
|
|
Increase
limit by phone
|
$15.00
|
|
Late
payment fee*
|
$15.00
|
|
Over credit
limit
|
$25.00
|
|
|
|
|
|
Monthly
statements will be provided on accounts with balances.
|
|
|
|
*Late payment fee - if you are ten (10) days late in
making a payment you will be charged 5% of the payment due, but not less
than $15.00.
|
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Other Services
|
|
|
|
Wire
Transfers |
|
International |
$42.50 |
|
|
|
Domestic |
$17.50 |
|
|
|
Incoming |
$
7.50 |
|
Returned
Item
|
|
|
$17.50
|
|
Cashier's
Check
|
|
|
$
3.00
|
|
Official
Check (Third Party)
|
|
|
$
3.00
|
|
Money
Orders
|
|
|
$
1.50
|
|
Incorrect
Address
|
|
|
$
7.50
|
|
Any
Statement Copy
|
|
|
$
2.50
|
|
All
Other Copies
|
|
Per
Item
|
$
2.50
|
|
Portfolio
Fee
|
|
|
$
2.50
|
|
Telephone
Transfer (per call)
|
|
|
$
2.50
|
|
XEROX
copies (per copy)
|
|
|
$
.50
|
|
Temporary
Checks (per check)
|
|
|
$
2.00
|
|
Financial
Counseling
|
|
|
FREE
|
|
Notary
Services
|
|
|
FREE
|
|
Visa
Traveler's Checks
|
|
Per $100
|
$
0.50 |
|
Electronic Funds Transfer
(ACH)
|
|
|
Receive
Direct Deposit
|
|
|
FREE
|
|
Receive
Withdrawal
|
|
|
FREE
|
|
Return
Withdrawal
Non-Sufficient Funds
|
|
|
$27.50
|
|
Item
with Incorrect Data
|
|
|
$15.00
|
|
Return
of Subsequent Items
|
|
|
$15.00
|
|
Audio
Response:
|
|
|
FREE
|
|
-15 Transactions |
|
-Each
Additional Transaction
|
|
|
$
.50
|
|
Dormant
Account Service Charge
|
|
|
$
5.00
|
|
Fax
Fee (per page)
|
|
|
$
1.00
|
|
Bank
Verification Request
|
|
|
$12.50
|
|
Exception
Posting Fee
|
|
|
$15.00
|
RATES AND FEES ARE SUBJECT TO CHANGE.
CONTACT THE CREDIT UNION FOR FURTHER
INFORMATION ON APPLICABLE FEES AND TERMS.
EFFECTIVE DATE 1-1-2004
Safe Deposit Boxes
Below are the sizes of boxes and their annual rental
fee.
These fees are subject to change without notice.
Call the credit union for details.
|
3"
X 5"
|
$20.00
|
|
3"
X 10"
|
$40.00
|
|
5"
X 10"
|
$55.00
|
|
10"
X 10"
|
$75.00
|
Only available at Main Office.
*Prices do not reflect a $10.00 Key deposit.