Share Draft Service Charges

Free Checking
No minimum balance, no monthly service charges, no limits on check writing

   Free

1st Rate Checking
Failure to maintain $5,000 average daily balance during calendar month

  


$10.00*

Deposit items over 125 per month   $.20* each
Checks written over 125 checks per month   $.20* each


Note: The following items pertain to both Free and 1st Rate Checking Accounts
Non-sufficient funds (NSF) return   $28.00 per item
Overdraft (each debit or check paid)   $28.00 per item
Point of Sale (POS) and ATM overdrafts   $28.00 per item
MICR unreadable drafts (not ordered through Dupaco)   $28.00 per item
Stop payment—notice   $25.00* per item
Stop payment—ACH payment   $25.00* per item
Microfilm copy of draft   $2.00* each
Original copy of draft (within 45 days)   $4.00* each
Check printing fees   Prices vary by style
Account reconciliation fee (first time free)   $25.00* per hour
Temporary drafts (first 10 free)   $1.00*
Share draft registers   No charge
     

Savings & Money Market Service Charges
Savings account transfers/withdrawals exceeding six per month per account. Minimum transfer of $100 to available limit. Does not apply to checking accounts. (Per Regulation D, transfers/withdrawals considered include: Online, Presto, and telephone requests, overdraft transfers, ACH withdrawals, and periodic payments. Does not include transfers for loan payments, ATM withdrawals or in-person transactions.)   $3.00 each
IMMA/Investor's Choice transfers/withdrawals exceeding six per month. Minimum transfer of $250 to available limit. (Per Regulation D, transfers/withdrawals considered include: Online, Presto, and telephone requests, overdraft transfers, ACH withdrawals, and periodic payments. Does not include transfers for loan payments, ATM withdrawals or in-person transactions)   $5.00 each
     
Term Share Certificate Penalties    
Early withdrawal (term 12 months or shorter)   Full term loss of interest
Early withdrawal (term longer than 12 months)   12 months loss of interest
     
IRA Service Charges    
Annual fee   None
Closing (if under age 59-1/2)   $25.00
External transfer (if under 59-1/2)   $25.00
     

Teller and Cash-Handling Service Charges
Check-cashing fee (members age 21 and older with savings account only, balance less than $100)   $1.00 each
Returned deposited item   $5.00 business only
Printed copy of transaction history, per account, per request   $1.00* each
Special statement handling   $3.00* each
Undeliverable statement fee/address correction   $5.00*
Money orders   $2.00 each
Traveler's Cheques (members)   FREE
Certified draft   $2.00* each
Official Dupaco check (members)   $2.00 each
Official Dupaco check (non-members)   $5.00 each
Wire transfer incoming   $2.00 each
Wire transfer outgoing (domestic)   $20.00 each
Wire transfer outgoing (international)   $50.00 each
Foreign currency withdrawals/deposits (price varies)   $20.00–$30.00
Check collection   $25.00*
New account closed prior to six months from open date   $25.00
Dormant account (Dupaco closes, sends check)   $15.00
Membership—reopening within six months of closing   $15.00
Third-party checks   $1.00 each
Presto/periodic payments   $.50 each
Telephone check withdrawal handled by staff   $2.00*
Telephone transfer handled by staff   $2.00
Staff-assisted balance inquiry by phone exceeding eight inquires per month   $2.00 per inquiry
Self-service coin counting (non-members or if funds not deposited)   5% of total*
Dupaco deposit zipper bag   $3.00
Business self-inking stamp   $14.00*
Business rubber stamp   $7.00*
Rolled coin   $0.10 per roll
     

VISA and Money Card Service Charges
ATM/Money Card transactions at Dupaco ATMs  
FREE
Non-Dupaco ATMs over eight transactions per month  
$0.50* each
Immediate VISA credit availability update   $5.00
VISA late-payment fee  
$15.00
Replacement fee for ATM/debit and credit cards  
$5.00
Rush fee for ATM/debit and credit cards   $40
Copy of receipt or VISA statement  
$11.00
Cash advance fee from VISA—1.5% of advance amount. Minimum cash advance amount $100 to available limit. (Min. $3 fee–Max. $15 fee)  
1.5% of advance
Foreign transaction fee  
1% of foreign transaction amount
VISA photo card   $10.00 per unique image, per card number
Money Card photo card   $10.00 per unique image, per card number
     

Online Bill Pay Service Charges
Per bill paid or attempted to pay (Free when you meet and maintain $1,500 in total deposits or total loans at Dupaco AND are signed up for e-statements)   $0.50*
Stop payment (Online Bill Pay-issued check)   $25.00* per item
Per payment resolution   $20.00

Institution to institution money transfers
• Standard
• Next-Day

  
$1.50 each
$10.45 each
     

Safe Deposit Box Service Charges
Box rental (debited from credit union account on anniversary date)   Varies by box size
Lost key replacement   $100.00*
Drill box open   $175.00
     

Copy and Fax Service Charges
Photocopies   $.25 per page
Printed copy of statement   $2.00* each
Fax (inside continental U.S.). Calls outside the U.S. will be charged standard fee plus long-distance charges.   $5.00*
     

Other Service Charges
Garnishment   $50.00
Account research (request for information beyond six months)   $25.00 per hour
Notary Service (non-members)   $5.00
Signature Guarantee—non-Dupaco or non-Dupaco Financial Services transactions   $15.00


Fees subject to change. Effective date 2/10/2014
*These items subject to applicable state and city taxes.