|
Special Services |
|
Membership Fee |
$0.00 |
| Visa Gift Card |
$3.00 |
| Official Check |
$1.00 |
| Money Orders (up to $1000) |
$1.50 |
| Computer Printed Account History |
$1.00/page |
| Microfiche Statement Copies (per monthly period) |
$2.50/page |
| Check Re-orders (assorted styles) |
Prices vary |
| Western Union Wire Fee (any amount, anywhere in U.S. – flat fee) |
$25.00 |
| Statement Reconciliation Assistance (1 hour minimum) |
$25.00/hour |
| Account Research Fee (microfiche 1 hour minimum) |
$25.00/hour |
| Fax Service for Members |
Local $0.10 first page
Long Distance $0.75 first page
(Both $0.10 per extra pages) |
| Items sent for Collection Fee |
$15.00 |
| Drafts/Foreign Items sent for Collection Fee |
Actual cost |
| Photocopy |
$0.10/page |
|
Notary Services...Restricitions may apply.
Member (with credit union preferred service) FREE
Member (without credit union preferred service) $10.00
Non-Member $30.00 |
Up to $30.00 |
|
Share Savings Account |
|
Inactive/Dormant Account Fee (all accounts)
(No activity 2 years with a balance below $200.00) |
$10.00/mth |
|
Unlimited cash withdrawals at the Credit Union window |
FREE |
| Non Member Official Check |
$5.00/check |
|
Early Withdrawal from Christmas Club Account |
$5.00/withdrawal |
| Early Withdrawal from Vacation Club Account |
$5.00/withdrawal |
|
Share Draft Accounts |
|
Monthly Maintenance Fee (Up to $10.00) |
Fee depends on Account type |
| Money Market Excessive Activity Fee (over 6 transaction limitations) |
$5.00/transaction |
|
Stop Payment Fee (Including EFT and all other items) |
$25.00 |
| NSF Returned Fee |
$25.00/check |
| Photocopy Retrival of cancelled check |
$3.00/check (FREE ON-LINE) |
| Deposit Item Returned |
$10.00/item |
| ACH Returned Item |
$25.00/item |
| Courtesy Pay Fee |
$27.00/item |
| Overdraft Transfer Fee (to avoid NSF's) |
$3.00/item |
| Reconcilement of Account (1 hour minimum) |
$25.00/hour |
| Computer Look Up Fee (checks, dividends, interest, etc.) |
$1.00/item |
|
Visa Debit Accounts |
|
One-time Enrollement Fee |
FREE |
|
Replace Lost ATM/VISA Debit Card |
$5.00 |
| Replacement Lost PIN number |
$2.50 |
| Withdrawals (non-proprietary) |
$1.00/withdrawal |
| Point of Sale Fee |
FREE |
| Inquirires (non-proprietary) |
$1.00/inquiry |
| VISA Debit Overdraft Fee |
$25.00 |
| VISA Debit Overdraft Transfer Fee (Avoid NSF's) |
$3.00 |
| VISA Debit Chargeback Fee |
$25.00 |
| **Any ATM withdrawals or inquiries at either Southwest LA Credit Union office with their SWLACU ATM/VISA Debit Card will not be assesed withdrawal or inquiry fees. Lake Charles 4056 Ryan Street, Westlake 804 PPG Drive, Sulphur 101 North Cities Service Hwy, Peto's Hwy 378 Mossbluff, Peto's Truck Stop Roanoke, Lake Charles Memorial Hospital Emergency Room. |
|
|
Loan Accounts |
|
Consumer Loan Late Fee (Applies to all payments received more than 10 days after the due date) |
$20.00 |
|
Deniel Fee (In excess of one (1) month for same type of loan) |
$20.00 |
|
Real Estate Loan Late Charge will apply to any payment more than 15 days late |
5% of the payment |
| Home Mortgages (Origination Fee) |
Maximum of 1% of the loan amount |
| Interium Mortgage Loan (Origination Fee0 |
Maximum of 1% of the loan amount |
| SKIP A PAY |
$30.00 |
| Loan Extension Fee |
$30.00 |
| Forced Place Insurance |
$50.00 |
|
Visa Credit Card Accounts |
|
Annual Fee |
$0.00 |
|
Late Payment |
$15.00 |
| Auto Rental Insurance (Classic, Gold, Platinum) |
FREE |
| Card Replacement |
$5.00/card |
| Returned Check |
$25.00/check |
| **VISA Platinum card holders who are late more than 3 times in a year are subject to rate increase to VISA Classic rate. |
|
|
Electronic Online Bill Pay |
|
Classic Bill Pay (Unlimited Bill Pay) |
FREE |
| Bill Pay E Basic |
$1.50 |
|
Bill Pay Plus (Unlimited Bill Pay) |
$3.50 |
|
Person-to-Person payments to anyone with email address and U.S. bank account |
FREE |
| Me-to-Me payments inter-bank transfers of funds to personal account at other financial institutions |
FREE |
| View Payment History |
FREE |
| All Payees verified before 1st payment made |
FREE |
| 24x7 Access w/support and online chat |
FREE |
| + Email reminders of payments due |
FREE |
| + Email reminders when bill not paid by "no later than" |
FREE |
| + Email notification of activated payees |
FREE |
| Written Correspondence to Payee |
$25.00 |
| Proof of Payment not necessitated by dispute |
$10.00 |
|
Payment returned due to member error |
$5.00 |
| Overdraft Fee |
$25.00 |
| + Foreced Change PIN schedule |
FREE |
|
Online Usage Fees (CU@HOME) |
|
Sign-Up Fee |
FREE |
|
Stop Payment Fee through CU@HOME |
$10.00 |
| P.C. based Remote Access Fee |
FREE |
| Retrieve Image of Check through CU@HOME |
FREE |
| Tranfers from one account to another online |
FREE |
| Inquiries on all accounts online |
FREE |
| Transfer to make loan payments online |
FREE |
| Dividend information on all share type accounts online |
FREE |
| Receive monthly E-Statements on Checking Accounts |
FREE |
| Inter-bank transfer of funds (Any bank in U.S.) |
FREE |
| Send money to anyone in U.S. with bank account |
FREE |
|
Miscellaneous |
|
Levy/Garnishment Fee |
$50.00 |
|
ACH Returned Item |
$25.00/item |
| NSF (Non-sufficent funds returned check) |
$25.00/item |
| Stop Payment of Credit Union Issued Check |
$30.00 |
| Stop Payment of Money Order (Lost or Stolen) |
$20.00 |
| Telephone Transfers (Audio Response) |
FREE |
| Telephone Inquiries (Audio Response) |
FREE |
| Change PIN number Telephone (Audio Response Unit) |
FREE |
| Any Checking Account information such as checks that have cleared, last deposits, last withdrawals (AUR) |
FREE |
| Dividend information on all share type accounts (ARU) |
FREE |
| Domestic Wires In and Out |
$20.00 |
| Administration Fee |
$10.00 |
| Return Mail Fee (New address not changed by member) |
$2.00 |
| Paper Statement (Paper Statement Fee applies to account owner ages 18 thorugh 55) |
$1.50 |
|
Safety Deposit Boxes Annual Fee |
|
Size 3 X 5 |
$10.00 |
|
Size 5 X 5 |
$15.00 |
| Size 3 X 10 |
$20.00 |
| Size 5 X 10 |
$30.00 |
| Size 7 X 10 |
$35.00 |
| Size 10 X 10 |
$40.00 |
