Important News, 6/12/2023: LOCK IN YOUR SAVINGS! (New Money) 12 month Share Certificates 4.50% APR. New Money funds must originate from a financial institution other than Van Cortlandt Cooperative FCU. (Click here for more Info)
ACCOUNTS
| Account Card Replacement (ATM, Debit, VISA) 1x | $15.00, (2x $30), (3x $50) |
| Club Account Early Withdrawal Fee | $10.00 |
| Deposit Checks Returned Unpaid | $30.00 each |
| Monthly Service Fee (per account number) | $5.00 |
| NON-VCCFCU ATM/Debit Transactions | $2.50 per transaction |
| Negative Balance Fee | $30.00, addtl. $5.00 a day after 3rd bus.day until acct is in good standing. |
| NSF - Uncollected Funds | $25.00 |
| Overdraft Share Loan Protection | $5.00 plus interest earned until balance is paid off |
| Overdraft Share Transfer fee (EFT, ACH, Check NSF) | $25.00 per check |
| Personalized Check Order | Per Catalog |
| Photocopy of Check/Deposit/Withdrawal | $3.00 each |
| Returned EFT/ACH/Check (NSF) | $30.00 each |
| Stop Payment EFT/ACH or Official Check | $25.00 (signed affidavit required) |
| Stop Payment Member Share Draft (single or range) | $25.00 |
| Temporary Replacement Checks (4) order | FREE with personalized check |
LOANS
| Member Loan Application Fee | $25.00 Reimbursable at loan disbursal. |
| Member Loan Late Fee | $30.00 |
| HELOC Loan Application Fee | As Quoted |
| HELOC Loan Late Fee | $50.00 |
| Line of Credit Application Fee | $25.00 |
| Line of Credit Late Fee | $30.00 |
| Mortgage Loan Application Fee | As Quoted |
| Mortgage Loan Late Fee | $ % of Principal & Interest |
| Visa Credit Card Late Fee | $30.00 |
| Visa Credit Card Foreign Transaction Fee | 1% |
CONVENIENCE SERVICES
| Cashiers Check | $7.00 per check |
| Corporate Checks (all info required for addressee) | $7.00 per check |
| Money Orders- up to $1000 | $3.00 each |
| Private Line - Telephone Banking | FREE |
| US Postal Stamps (Book of 20) | Postal Rate |
Virtual Branch – Home Banking & Bill Pay FREE
| Non-Sufficient funds for Online Bill Payment | $ 7.00 each |
| Online Bill Payment Investigation | $30.00 each |
| Online Bill Payment Copy of Check | $30.00 each |
| Online Bill Payment Stop Payment | $50.00 each |
Wire Transfer
| Incoming Wire Transfers | FREE |
| Outgoing Domestic Wire Transfers | $35.00 |
| Outgoing International Wire Transfers | $65.00 |
GENERAL FEES
| Abandoned Property Remittance Fee | $ 100.00 |
| Account Closing Below Minimum Balance | Balance |
| Account Closure Fee | $ 25.00 / Account - If closed within 6 months of opening |
| Account Balancing/Research Fee | $ 50.00 per hour |
| Account History Print out | $ 3.00 |
| Account Statement Copies | $ 5.00 each |
| Bond Coupon Redemption | FREE |
| Expedited Shipping (plastic card replacement) | $ 50.00 |
| Legal Document Processing Fee (levies, subpoenas, etc) | $ 100.00 per levy |
| Letters for Immigration, Food Stamps, etc (per letter) | FREE |
| Incorrect Address Fee | $ 7.00 per month until address is corrected |
| Inactive/Dormant Account Fee | $ 7.00 per month until account is activate |
| IRA transfer to another institution | $ 25.00 |
| Notary Public (Members Only) | $ 2.00 Per Signature |
| Photocopy Charge (per item) | $5.00 |
| Tax Form Copies (1099s, 5498s, etc) | $5.00 |
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