Below Minimum Balance Service Fee- Inactive Savings Account |
$5.00 per month |
Early Closure Fee1 |
$25.00 per account |
Excessive Share Withdrawal Fee | $3.50 per transaction |
Holiday Club Excessive Withdrawal Fee |
$5.00 per transaction |
Starting Over Savings Withdrawal Fee |
$15.00 per transaction (after 1 free wd per year) |
Reopen Savings Fee2 | $5.00 per account |
**Paper Statement Fee3 |
$5.00 per statement cycle |
E-statement Fee |
FREE |
Regular Checking Account |
$5.00 per month |
E-Checking Account |
$7.50 per month |
Senior Checking Account |
$3.50 per month |
Copy of Cleared Check (in excess of two per month) |
$2.00 per item |
Draft/Check Printing |
Fee Depends on Style of Draft Ordered |
Draft/Check Manual Handling | $10 per order |
Courtesy Pay Reinstatement Fee |
$35.00 per reinstatement |
Invalid MICR Line Processing |
$2.00 per item |
LCFCU Online E-Pay Base Fee (per enrolled suffix) |
FREE (must initiate one bill per month) |
LCFCU Online E-Pay Non Usage Fee |
$4.95 per month |
Non Sufficient Funds - Returned |
$35.00 per item |
Overdraft Transfer |
$3.00 per item or payment order |
Paid Overdraft |
$35.00 per item |
Reopen Checking Fee2 | $10.00 per account |
Stop Payment |
$30.00 per item or payment order |
Temporary Checks |
$3.00 for 4 checks |
ATM Foreign Transaction |
$3.00 per transaction |
Debit Card Negative Balance Fee |
$35.00 per occurrence |
Manual Handling Fee |
$10.00 per occurrence |
Replacement Debit Card |
$10.00 per item |
Stop Payment on Recurring Transactions | $30.00 per request |
VISA Merchant Transaction Copy |
$15.00 per request |
Foreign Wire Transfer (outgoing) |
$50.00 per payment order |
Western Union (outgoing) |
$25.00 per payment order |
Domestic Wire Transfer (outgoing) |
$25.00 per payment order |
Foreign Tracer Fee |
$20.00 min. per trace |
Account Activity Printout |
$3.00 per request |
Account Balancing Assistance |
$25.00 per hour |
Account Research |
$25.00 per hour |
Bad Address Fee |
$5.00 per month |
Cashier’s Checks |
$3.00 per item |
Change of Address (per postal notification) |
$5.00 per notification |
Check Cashing Fee 4 |
Based on 1.5% of the check amount |
Coin Purchased (in excess of 10 rolls per month) |
$0.15 per roll |
Collection Item (Domestic) |
$10.00 per item |
Collection Item (Foreign) |
$25.00 per item |
Collection Item (On-us) |
$10.00 per item |
Escheat Fee |
$50.00 per membership account |
Inactivity Fee 5 |
$10.00 per month |
IRA Transfer Fee |
$15.00 per occurrence |
Money Orders |
$2.00 per item |
Non-sufficient Funds caused by ATM, POS or ACH |
$35.00 per item |
Notary Service (members only) | FREE for first 3 items $5 per signature on 4 or more documents |
Overnight Delivery Fee (afternoon delivery) |
fee depends on location/delivery type |
Payment by Phone |
$10.00 per request |
Return Item Fee |
$10.00 per item |
Return Item Fee (one-party) |
$35.00 per item |
Shared Branch Excessive Withdrawal Fee |
$5.00 per transaction in excess of 2 per month |
Statement Copy |
$5.00 per statement |
Stop Payment on Corporate Check |
$10.00 per item |
Tax Levies/Garnishments |
$25.00 per request |
VISA Gift Card |
$3.00 per item |
VISA Prepaid Card-reloadable |
$6.00 per item |
VISA Travel Card-reloadable |
$6.00 per item |
Annual Rental Fee (3x10) |
$65.00 per box |
Annual Rental Fee (5x10) |
$85.00 per box |
Annual Rental Fee (10x10) |
$135.00 per box |
Drill Box Fee |
$200.00 per occurrence |
Key Deposit |
$25.00 per box |
Late Fee |
$10.00 per month |
Replacement Key |
$25.00 per occurrence |
Returned Payment Fee |
$35.00 per occurrence |
1 Applies to any Savings Account Closed within 90 days of Opening
2 Applies to any Account Reopened within 90 days of Closing
3 Applies to members between the ages of 19 and 64 with aggregate deposit/loan balances of less than $10,000; E-statements are FREE.
4 The Check-Cashing Fee is waived for members maintaining a share draft account with us or for members who maintain a balance of at least $500.00 in any one account.
The Check Cashing Fee also will be waived if you deposit at least 25% of the check into your Savings account.
5 Applies to members 19 and older with less than $250 in total deposits and no member initiated account activity in a 12-month period.
Fees are current as of February 7, 2020 unless otherwise noted, and are subject to change.