| Effective
01/01/2008
SHARE ACCOUNT FEES:
Membership Fee .................................................................................$5.00
Account Closure Fee (if within 90 days of opening)..................
$20.00
Excess Withdrawal Fee (after 3 per month)..................................
$5.00
Withdrawal Below Minimum Share Balance..... $5.00 per occurrence
Inactive Account (after 2 years of inactivity)...............
$5.00 per quarter
YOUTH ACCOUNT FEES:
Membership Fee.................................................................................
$1.00
Account Closure Fee (if within 90 days of opening)..................
$20.00
Excess Withdrawal Fee (after 3 per month)..................................
$5.00
CHRISTMAS CLUB FEES:
Christmas Club Early Withdrawal Fee............... $5.00 per
occurrence
CHECKING ACCOUNT FEES:
Overdraft Protection (from Shares/Loan)................. $2.00
per transfer
Non-sufficient funds item - Returned (each)...............................
$20.00
(Applies to Share Drafts and ACH).
Non-sufficient funds item - Courtesy Paid (each)......................
$30.00
(Applies to Share Drafts, ACH and Check Card)
Stop Payment – draft/ACH Item (each).........................................
$15.00
Stop Payment – draft (range).........................................................
$20.00
Paid Check Copy – each (after 2 per month)................................
$2.00
Regular Checking Monthly Service Charge:...................................None
Fresh Start Checking Monthly Service Charge...........................
$15.00
Check Orders.....................................................................................
Varies
VISA ATM / DEBIT CARD FEES:
Annual Fee with Direct Deposit.........................................................
Free
Annual Fee without Direct Deposit................................................
$15.00
1st Time Issued Card..........................................................................
Free
Replacement Card...........................................................................
$10.00
Replacement Card (after first 3 cards).........................................
$50.00
Replacement PIN.............................................................................
$10.00
Replacement Card/PIN Rush Order............................................
At Cost
Receipt Retrieval..............................................................................
$10.00
Point of Sale Transactions..................................................................
Free
Usage at Kaiperm North Bay FCU ATMs..........................................Free
Usage at other ATMs
(after 4 free uses per month).............................
$1.00 per transaction
ATM Deposit Adjustment Fee...........................................................
$5.00
Empty Envelope................................................................................
$25.00
International Transaction Fee................ 1.00% of transaction
amount
IRA ACCOUNT FEES:
Annual Fee............................................................................................None
Transfer / Closure Document Fee................................................
$25.00
GENERAL FEES:
Teller Checks Payable to Third Party...............................................$5.00
Teller Checks Payable to member.....................................................Free
Copy of Teller Check (each).............................................................
$4.00
Stop Payment on Teller Check......................................................
$20.00
Money Order..........................................................................................$1.00
Copy of Statement – beyond current month (each)......................
$2.00
Other Document Copies (each).......................................................
$2.00
Garnishments / Levies / Legal Orders / Collections.................
$25.00
Verification of Deposit letters/forms................................................
$5.00
3rd Party Letter..................................................................................
$10.00
Returned Mail / Address Verification...............................................
$3.00
Account Research / Reconciliation (per hour)...................
(Min)$25.00
Returned Deposit Item....................................................................
$10.00
Returned Deposit Item Drawn from Your Account Elsewhere $20.00
Foreign Check Collections.............................................................
$15.00
Merchant Collection..............................................
10% of Check Amount
Non-member Check Cashing..........................................$0-250…$2.00
Non-member Check Cashing.....................................$251-500…$5.00
Non-member Check Cashing.......................................$501
+….$15.00
Incoming Wire Transfer.......................................................................
Free
Outgoing Domestic Wire Transfer................................................
$20.00
Outgoing International Wire Transfer...........................................
$40.00
Online Banking......................................................................................
Free
Bill Payer (requires Share Draft account).........................................
Free
Audio Response...................................................................................
Free
Signature Guarantee..........................................................................
$5.00
Access Card Replacement Fee.......................................................
$3.00
Lien Satisfied / Duplicate Title Fee...............................................
$15.00
Demand for Payoff............................................................................
$30.00
Reconveyance Fee...........................................................................
$45.00
Subordination Fee............................................................................
$75.00
Special Services / 3rd Party Fees.................................................
At Cost
American Express Traveler’s Cheques and Prepaid
Items:
Traveler’s Cheques - Single Signature............................................
Free
Traveler’s Cheques - Dual Signature......................
$1.00 per $100.00
AMEX Gift Cheques (each).................................................................$2.50
AMEX Gift Cards (each).......................................................................$3.50
VISA Gift Card (each)...........................................................................$3.50
Prepaid Reloadable Debit Card........................................................$4.50
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