ALEC FEE SCHEDULE ACCOUNT MAINTENANCE Official verifications Closed account - within 30 days of opening Statement/history printout - per page Inactive membership - per quarter Research fee - per hour SHARE DRAFT ACCOUNT FEES $ $ $ $ $ 10.00 15.00 2.00 25.00 30.00 ACH FEES Returns - per item Stop payment Effective 2/1/2015 $ 28.00 $ 28.00 ATM & SHARED BRANCH FEES Shared Branch transactions (visit alecu.org for details) No Charge Withdrawals at ALEC ATMs No Charge Balance inquires at ALEC ATMs No Charge First 6 withdrawals per month at non-ALEC No Charge ATMs* Over 6 withdrawals per month at non-ALEC $ 2.00 ATMs - per withdrawal* Balance inquiries at non-ALEC ATMs - per inquiry $ 1.00 *Rewards Checking - Fee after 10 withdrawals per calendar month Rewards Checking - monthly fee* Overdraft - per item returned NSF or Paid Overdraft from Savings Overdraft Protection—Courtesy Pay Paper checks, automatic withdrawals (ACH) and recurring debit ATM and Everyday Debit - requires consent Stop payment of member check** Stop payment of Bill Pay check** ** Paper or electronic Copy of cleared check HSA Account - monthly fee TRAVELER’S CHECKS FEES *Refers to the number of days of dividend forfeiture SHARE COLLECTION FEES $ 20.00 $ 20.00 $ 90.00 ATM - DEBIT- GIFT CARD FEES Personalized Debit Card - per image Replacement of ATM/Debit Card ATM/Debit Card overdraft fee - requires consent Expedited ATM/Debit Card Expedited ATM/Debit PIN Visa® Gift Card - per card purchased* $ $ $ $ $ $ 9.95 10.00 28.00 51.50 51.50 3.00 Visa Gift Card - lost or stolen reissue fee $ 5.00 CREDIT CARD FEES Annual fee Replacement of Visa Credit Card Expedited Visa Credit Card - next day Expedited Visa Credit Card - second day Replacement of Visa Credit Card PIN Visa international transactions: Multiple currency - per US Dollar Single currency - per US Dollar Visa cash advance fee ($50 Maximum) Design Your Own Card Late payment fee Return credit card payment fee Copy of a Visa Credit Card Statement $ 28.00 $ 28.00 $ 28.00 $ 6.00 $ 5.00 HOLIDAY CLUB ACCOUNT FEES Early redemption - accounts 6 months or less* 90 days Early redemption - accounts 7-47 months* 180 days Early redemption - accounts 48 months and over* 270 days *Non-members $3.00 per card plus 1% of total sale None $ 28.00 Waived if member has an ALEC Checking account with $500 in direct deposit per month or an ALEC Visa or ALEC loan with activity within the last statement cycle. Early withdrawal *Plus international fees 5.00 HSA FEES CERTIFICATE ACCOUNT FEES Negative balance collection Foreign check collection* - under $1,000 Foreign check collection* - $1,000 or over $ *Waived with select services and transactions None $ 10.00 $ 31.00 $ 20.00 No charge 1.00% 0.80% 3% of each cash advance amount $9.95 per card Up to $25.00 Up to $24.00 $ 5.00 $ 25.00 For members For non-members - based on total sale Gift checks - per check No Charge 1% $ 2.00 CASHIER’S CHECK FEES Made out to member Made out to 3rd party Stop payment - only after 90 days of issuance No Charge $ 2.00 $ 28.00 WIRE TRANSFER FEES Incoming Outgoing domestic Outgoing international No Charge $ 25.00 $ 55.00 MISCELLANEOUS FEES Copy of a deposited item Expedited mail – standard delivery Expedited mail – Saturday delivery Garnishments/tax levies/citations Online Banking payment investigation Return loan payment check Return deposit check Drawn on your account Drawn on another person’s account Businesses presenting member checks (Over the counter checks) Mortgage subordination fee $ 6.00 $ 10.00 $ 20.00 $ 100.00 $ 28.00 $ 28.00 $ 28.00 $ 28.00 $ 5.00 $ 150.00 401 N. Riverside Dr., Suite 1-A Gurnee, IL 60031-5915 p: 800.762.9988 f: 847.599.0056 alecu.org 58808-Fee-0215