Personal Fees

Rates Sections

Personal Fees

Account Fees

Fee Type

Fee Details

Fee Type

Account Closure

Fee Details

$25 if closed within 6 months of account opening

Fee Type

Account Research

Fee Details

$25 per hour (or fraction thereof)

Fee Type

Account Verification

Fee Details

$20 each

Fee Type

ACH Loan Payment/Transfer via Member Representative

Fee Details

$25

Fee Type

ACH Origination Transfer Limits

Incoming ACH Limits

   Loan Payments

   Incoming Share Deposit

Outgoing ACH Limits

Fee Details

 

 

Daily: $25,000; Monthly: $25,000

Daily: $10,000; Monthly: $30,000

Daily: $10,000; Monthly: $30,000

Fee Type

ACH Stop Payment

Fee Details

$25 each

Fee Type

ATM Withdrawals (non-LFCU owned ATMs)

Fee Details

5 free each month, $2.00 each additional (unlimited free withdrawals at all LFCU-owned ATMs)

Fee Type

Attachment (Tax Levy, Garnishment)

Fee Details

$75 each

Fee Type

Bad Address on Account

Fee Details

$10 per month

Fee Type

Cashier’s Check

Fee Details

$5 each

Fee Type

Check Deposit Return

Fee Details

$25 each

Fee Type

Check Photocopy

Fee Details

$2 each; free if member retrieves via Online Banking

Fee Type

Courtesy Pay Privilege Overdraft Fee

Fee Details

$30 each occurrence

Fee Type

Credit Card Late Payment

Fee Details

$25 per month

Fee Type

Debit Card Replacement

Excessive (more than 2 per calendar year)

Instant issue (in person at a participating branch)

Fee Details

$10 each 

$10 each

Fee Type

Debit Card Transaction Limits

ATM Withdrawals 

 

Debit POS (PIN)

 

Credit Purchase (Swipe or Chip)

Fee Details

 

$1,000.00 and 10 transactions within a 24-hour period

 

$1,000.00 and 20 transactions within a 24-hour period 

 

$10,000.00 and 20 transactions within a 24-hour period

Fee Type

Dormant Account Fee

Fee Details

$20 per month

Fee Type

Escheatment Fee

Fee Details

$50

Fee Type

Excessive Money Market Withdrawals

Fee Details

6 transactions permitted per calendar month; $20 each additional

Fee Type

Excessive Preferred Savings Account Withdrawals

Fee Details

6 free per calendar quarter; $10 each additional

Fee Type

Excessive Premier Savings Account Withdrawals

Fee Details

6 free per calendar quarter; $100 each additional

Fee Type

Expedited Card Shipping (credit or debit)

Fee Details

First Class: $5

Post Express: $15

FedEx (domestic): $20 

FedEx (International): $40

Overnight (order by 2pm): $40 

Fee Type

Failure to Maintain Minimum Share Savings Balance

Fee Details

$10 per month

Fee Type

Foreign Transaction Fee

Fee Details

2%

Fee Type

Loan Late Payment

Fee Details

5% of payment amount due

Fee Type

Mastercard® Gift Card

Fee Details

$4.95 purchase price 

$2.50 inactivity fee (after 12 months)

$10.00 replacement fee

Fee Type

Non-Member Check Cashing

Fee Details

$10 per check

Fee Type

NSF or ACH Item Return (Check, ACH, ATM overdraft)

Fee Details

$30 each time presented, to include retries of the same item

Fee Type

Online Banking Checks

Fee Details

$5 each

Fee Type

Online Bill Pay

Fee Details

$5 per month

Fee Type

Overnight Mail Delivery 

Fee Details

$18 each

Fee Type

Returned Bill Pay Item

Fee Details

Bill Pay provider charges a $25 fee for overdrafts (this fee is in addition to LFCU’s NSF fee)

Fee Type

Share Savings Withdrawals

Fee Details

4 free each month, $1 each additional

Fee Type

Short-Term Account History/Interim Statements

Fee Details

$5 each

Fee Type

Skip a Payment

Fee Details

10% of full payment per loan

Fee Type

Statement Photocopy

Fee Details

$3 each

Fee Type

Stop Payment (Personal Check/Cashier’s Check)

Fee Details

$25 each

Fee Type

Wire Transfers

Fee Details

Outgoing: $25 each (domestic) 

$40 each (foreign)