Fee Schedule

EFFECTIVE AS OF JUNE 30, 2019

$2.00/page	Account History Printout
$15.00/hour	Account Research/Reconciliation by WCU Staff
$1.50 each	1ATM Fee (at non-WCU & Foreign ATMs)
$5.00/month	Balance Violation (Share/Savings Balance Below $25 Minimum Required)
$20.00 each	CARFAX Fee
$2.00 each	2Cashier’s Check
3% Chk Amt<$100 & 5% Chk Amt>$100	Check Cashing (no compensating balance/no loans/non-active account)
$5.00 each	Check Copy (Including Receipts & ACH Transactions) *No Charge Thru Online Banking
$20.00 each	BillPay Check Copy  *No Charge thru Online Banking/BillPay
$10.00 each	3Christmas Club Early Withdrawal
$1.00 each	Counter Checks  (Without a pending WCU Check Order)
$10.00/call	Credit/Debit Card Payment by Phone Fee (Cash Advance on Visa/Mastercard)
$10.00 each	Debit Card Replacement
$10.00/year	4Dormant Account
$10.00	Early Account Closing (Closed Share/Savings within first 6 months of membership)
$25.00	Escheatment (Abandoned Property Sent to State)
$1.00 each	Excessive Phone Inquiry Fee (By Phone to WCU Branch *Exceeding 5 Items)
$2.00 each	5Excessive Withdrawal Fee (In Person Withdrawals from Share/Savings ONLY *Exceeding 3 per month)
$20.00	Express/Overnight Mail Delivery
$25.00/item	Foreign Check DEPOSIT Fee
COST/Item	6Foreign Check PROCESSING Fee
$420.00	GAP Fee
Greater of $10 or 5% of Scheduled Pmt	Late Fee of Delinquent Loans (Not to Exceed $100)
$10.00 each	7Legal Review Fee
$25.00	8Legal Process Service (Garnishment/Levy)
$25.00	Membership Share (Minimum Balance Required in Share/Savings Only)
$25.00	Membership Reinstatement (Share/Savings Account Only)
$25.00	9MEMBER Loan RE-Application Fee
$10.00	10NON-MEMBER Loan Application Fee
$35.00 each	NSF Charge/Return Fee (UNPAID ITEM) Due to Non-Sufficient Funds
$35.00 each	11OverDraft Fee (PAID ITEM) Standard/Extended OD Privilege Program
$35.00 each	12REG-D Transfer Fee (FROM Savings/Daily Action ONLY, Exceeding 6 per month)
$150.00	Refinance Fee (Unless Borrowing $1500.00 or More of Loan Amount)
$25.00 each	Remove/Add Joint Owner Fee (1st Request FREE, $25 per subsequent request of same person within 6 mos)
$15.00 each	Returned Deposited Item (Check Deposited & Returned Unpaid)
$10.00 each	Returned Statement (Invalid/Undeliverable Address)
$5.00/month	Statement Copy *No Charge Thru Online Banking
$30.00/item	Stop Payment (Draft or ACH Item ONLY, *NOT Debit Card Transactions)
$15.00	Title Processing Fee
$10.00 each	Verification Of Deposit Fee (Account Verification Letters/Forms Completion)
$20.00	Wire Transfer Fee (Incoming or Outgoing *Within the U.S. ONLY)
$150.00	Safe Deposit Box Drilling Fee (for Replacement of LOST KEY)
$20.00/year	3 x 5 Safe Deposit Box Rent
$35.00/year	3 x 10 Safe Deposit Box Rent
$50.00/year	5 x 10 Safe Deposit Box Rent
$75.00/year	10 x 10 Safe Deposit Box Rent

1 ATM FEE: ATMS NOT OWNED/OPERATED BY WCU OR OUTSIDE THE CO-OP NETWORK MAY CHARGE OTHER FEES (SURCHARGE) FOR THE USE OF THEIR ATM. ANY SUCH FEE WILL BE PAID FROM YOUR WCU ACCOUNT. FEE IS CHARGED PER TRANSACTION, INCLUDING WITHDRAWALS, BALANCE INQUIRIES, & TRANSFERS. WCU’S MAXIMUM CASH WITHDRAWAL ALLOWED IS $500.00 PER DAY PER DEBIT CARD/ACCOUNT.

2 CASHIER’S CHECK: WCU MEMBERS ONLY – RECEIVE ONE FREE CASHIER CHECK PER MONTH. EXCEPTION: ANY WCU “ON-US” CHECK DRAWN ON A WCU MEMBER’S ACCOUNT & MADE PAYABLE TO A NON-MEMBER, THAT IS PRESENTED BY SAME NON-MEMBER TO WCU, WITH A REQUEST TO EXCHANGE ON-US CHECK FOR A WCU CASHIER CHECK; WILL BE EXCHANGED AFTER VERIFICATION OF THE VALIDITY OF THE “ON-US” CHECK BY SAID WCU MEMBER. THE $2.00 “CASHIER CHECK FEE” WILL BE ASSESSED TO THE ACCOUNT THE “ON-US” CHECK IS WRITTEN ON.

3 CHRISTMAS CLUB : ENTIRE ACCOUNT BALANCE WILL BE TRANSFERRED TO YOUR SAVINGS ACCOUNT ON OR AFTER NOVEMBER 1ST OF EACH YEAR. YOU MAY BE CHARGED A WITHDRAWAL FEE OF $10.00 FOR EACH WITHDRAWAL FROM THE ACCOUNT. TWO WITHDRAWALS ARE ALLOWED DURING THE CLUB PERIOD, AFTER WHICH THE ACCOUNT MAY BE SUBJECT TO CLOSURE.

4 DORMANT ACCOUNT: AFTER 5 YEARS WITH NO MEMBER PERFORMED ACTIVITY ON SHARE/SAVINGS ACCOUNT AND UNDELIVERABLE MAIL/STATEMENT, FEE WILL BE CHARGED UNTIL THERE IS MEMBER PERFORMED ACTIVITY ON THE ACCOUNT. DOES NOT APPLY TO ACCOUNTS WITH A BALANCE OVER 100.01 OR IF PRIMARY OWNER IS UNDER 19 YRS OF AGE. DIVIDENDS PAID BY WCU ARE NOT CONSIDERED “MEMBER PERFORMED ACTIVITY”. *CHECKING ACCOUNTS & DEBIT CARDS WILL BE CLOSED AFTER A PERIOD OF 12 MONTHS OF INACTIVITY, WITH REMAINING FUNDS TRANSFERRED TO SAVINGS.

5 EXCESSIVE WITHDRAWAL FEE: APPLIES TO SHARE/SAVINGS ONLY. WCU ALLOWS THREE (3) FREE IN-PERSON WITHDRAWALS EACH CALENDAR MONTH. FEE IS CHARGED FOR EACH WITHDRAWAL EXCEEDING THREE (3) PER MONTH, UNTIL THE END OF THE SAME CALENDAR MONTH.

6 FOREIGN CHECK PROCESSING FEE: COLLECTION ITEM/CHECK DRAWN ON NON-U.S. BANKS. INCLUDES ALL POSTAGE, CONVERSION, AND HANDLING FEES REQUIRED TO PROCESS EACH ITEM.

7 LEGAL REVIEW FEE: LEGAL REVIEW OF ACCOUNT OR MEMBER DOCUMENTS. THE FEE MAY BE ASSESSED ANY TIME AN ACCOUNT IS REVIEWED BY WCU’S LEGAL COUNSEL, E.G., POWERS OF ATTORNEY, CONSERVATOR/GUARDIANSHIP, DECEASED ACCOUNT DOCUMENTS, ETC

8 LEGAL PROCESS SERIVCE: FEE APPLIES TO EACH LEGAL ORDER OR PROCESS THAT DIRECTS WCU TO FREEZE, ATTACH, OR WITHHOLD FUNDS OR OTHER PROPERTY. INCLUDES: GARNISHMENTS, JUDGEMENTS, COURT ORDERS, SUBPOENAS, TAX LEVIES (IRS/FEDERAL OR STATE)

9 MEMBER LOAN “RE-APPLICATION” FEE: IF YOU HAVE A LOAN APPLICATION TURNED DOWN BY WCU, AND YOU RE-APPLY WITHIN A 6 MONTH TIME PERIOD, YOU WILL BE CHARGED A $25 “RE-APPLICATION” FEE AT THE TIME OF APPLICATION. IF YOUR LOAN IS APPROVED, THE APPLICATION FEE WILL BE RETURNED.

10 NON-MEMBER LOAN APPLICATION FEE: IF YOU ARE NOT A MEMBER OF WCDU, THERE IS A $10.00 NON-MEMBER APPLICATION FEE.

11 OVERDRAFT FEE: STANDARD/EXTENDED OD PRIVILEGE PROGRAM – JMFA. FEE IS IMPOSED FOR OVERDRAFTS CREATED BY CHECKS, IN-PERSON WITHDRAWALS, ATM WITHDRAWALS, OR BY OTHER ELECTRONIC MEANS {INCLUDES: DEBIT CARDS (RECURRING DEBIT CARD PAYMENTS & EVERYDAY DEBIT CARD PURCHASES), ONLINE BILL PAY DEBITS, ACH (AUTO DEBITS}. PLEASE REVIEW OUR EFT/MAA/FUNDS AVAILABILITY/TRUTH IN SAVINGS DISCLOSURES FOR MORE INFORMATION.

*CHECKING ACCOUNTS WITH A NEGATIVE BALANCE FOR OVER 45 DAYS WILL BE CLOSED – FUNDS WILL BE TRANSFERRED FROM THE SHARE ACCOUNT & APPLIED TO ANY NEGATIVE DRAFT BALANCE THEN BOTH WILL BE CLOSED. ANY REMAINING NEGATIVE AMOUNT WILL BE CONSIDERED AS “CHARGED OFF” & REPORTED TO CHEX-SYSTEMS UNTIL PAID IN FULL BY RESPONSIBLE PARTY.

12 REG-D TRANSFER FEE: (APPLIES TO SHARE/SAVINGS & DAILY ACTION/MONEY MARKET ACCOUNTS ONLY.)  FEDERAL RESERVE “REGULATION-D” LIMITS THE TOTAL NUMBER OF TRANSFERS MADE BY CHECK, TELEPHONE, OVERDRAFT PROTECTION, AS WELL AS PREAUTHORIZED TRANSFERS (INCLUDING DEBIT CARD PURCHASES, AUTOMATIC TRANSFERS, AND WIRE TRANSFERS TO SIX (6) PER CALENDAR MONTH FOR SAVINGS AND DAILY ACTION/MONEY MARKET ACCOUNTS. WCU ALLOWS SIX (6) FREE TRANSFERS FROM EACH SHARE/SAVINGS & DAILY ACTION/MONEY MARKET ACCOUNT PER CALENDAR MONTH. FEE IS CHARGED FOR EACH TRANSFER EXCEEDING SIX (6) PER MONTH, UNTIL THE END OF THE SAME CALENDAR MONTH.