Fee Schedule
Most credit unions generally charge fewer and lower fees than most other financial institutions. Please keep in mind that the fees and/or limits imposed on accounts with our credit union are designed to pass on the cost or to recover the cost of providing a specific service to our membership who use them or incur them. They are not structured for JMCU to profit from.
The fees listed are accurate for accounts as of the date indicated below, and are subject to change at any time by our Board of Directors.
FEES effective as of 09/01/09
Checking Account - free checking - no monthly charge - no check charge
Business Checking - $4.00 per month service fee if minimum balance of $500 is not maintained. Check fee of $.08 per check if over 20 checks per month
Dividend Bearing Checking - $8.00 per month service fee if minimum balance of $500 is not maintained
Money Markets - $10.00 per month service fee if minimum balance of $2500.00 is not maintained
Overdraft fees - Share draft fee: $25 if returned and/or paid ACH NSF fee: $25 if returned and/or paid VISA Check/Shazam ATM Cards: $25
Miscellaneous fees - Stop payment fee: $10 per item $20 per block
Temporary/Counter Checks - First 12 free - $1.00 per sheet of 4 checks (check order prices vary depending on style - 150 duplicates per box)
Statement printout - $3 current month / $5 prior month(s)
Check copies - $5 per item
Account Research fee - $10 per hour (1 hour minimum)
Fax - $1 per page
Dormant Account - $25/year
Early Closure - $25 if closed within 90 days
Charge backs - $10 per item
Garnishments - $25
Collection items - $15
Returned Mail - $5 per year
Wire Transfers - International - $40 / Domestic - $15 / Western Union $20
Credit Union Membership - $25 per share
VISA CheckCard fees - no monthly charge - no charge per use if signature based transaction - PIN (PIN based point of sale (POS) transaction - $1.50
VISA Replacement CARD/PIN fee - $10/$5
VISA GIFT CARD - $3.95
Check Cashing Fee - If a member has a savings account ONLY with LESS THAN $100.00 in the account and no other services are being utilized, a fee of 2% of the check amount will be charged ($2.00 minimum - $25.00 maximum).
ONLINE BILL PAY FEES:
E-STATEMENTS - No monthly charge. Monthly statement will no longer be mailed. You may view your statements through our HFS program.
Items included - 15 items Transaction fee: $0.40 per transaction after 15 items NSF Returned: $25 and/or NSF paid $25
Inactive fee - $2.50 after three (3) months consequently