FREE services include the following:
- Electronic Bill Pay
- Online Banking - balances, transfers, history, and export capacity
- Totally FREE Checking - free checks with direct deposit
- eStatements
- Overdraft Protection
- Telephone Banking - telephone inquiries and transfers
- Notary Public
- Medallion Signature Guarantees
- Vehicle Shopping Services
However, there are instances when the Credit Union charges nominal fees to offset expenses. Those fees, most of which have not increased in over a decade, are as follows:
Account Fees
|
Savings Overdraft Transfer
|
$5
|
|
Paid Check on Uncollected Funds
|
$15
|
|
Paid Check on Negative Balance
|
$15
|
|
Returned Item
(NSF)
|
$15
|
|
Returned Item
(Uncollected Funds)
|
$15
|
|
Stop Payment Fee
|
$ 15
|
|
Cancelled Check Copy
(Free through eBranch)
|
$ 1.50
|
|
Check Printing Order with Direct Deposit
|
FREE
|
|
Excess Withdrawal Transaction Fee
(Money Market account) details
|
$10
|
ATM Fees
|
Point-of-Sale with ATM or Visa® Check Card
|
FREE
|
|
All Transactions at APL FCU Proprietary ATMs
|
FREE
|
|
Cash withdrawals at Allpoint ATMs
|
FREE
|
|
Non-Proprietary ATM Withdrawal
|
See Note
|
|
Balance Inquiry at Non-Proprietary ATM
|
$1
|
Note: While there is no APL FCU fee for cash withdrawals at other machines, most ATM owners surcharge for the use of their machines. In this case, APL FCU members may be charged a fee for transactions on ATMs outside of the Allpoint Network. APL FCU has no control over these charges.
Additional Services Fees
|
Subpoena Processing / Account Reconcilement
(per hour)
|
$20
|
|
Levy/Garnishment Processing
(per case)
|
$75
|
|
Statement Copy
(per page)
|
$0.50
|
|
Transaction Printout
|
$1
|
|
Returned Loan Payment
|
$15
|
|
Copy of Deposit Item
|
$1.50
|
|
External Account Transfer
(outgoing only)
|
$2
|
|
External Account Transfer
(Reject or NSF)
|
$15
|
|
Express Pay
(same-day electronic bill payment)
|
$9.95
|
|
Express Pay
(overnight express check payment)
|
$14.95
|
|
Domestic Wire Transfer
(eBranch form)
|
$10
|
|
Foreign Wire Transfer
(eBranch form)
|
$40
|
|
Foreign Wire Reject
|
$25
|
|
Money Orders
|
$1
|
|
Certified Check
|
$2
|
|
Official Check
|
$3
|
|
Official Check Copy
|
$5
|
|
Official Check/Money OrderStop Payment
(Lost item only)
|
$15
|
|
Visa® Gift Card
(In Branch purchase $25 - $1,000)
|
$4.95
|
|
Safe Deposit Box
(Annual fee)
|
|
|
3" x 5"
|
$20
|
|
3" x 10"
|
$30
|
|
5" x 10"
|
$50
|
|
10" x 10"
|
$100
|
|
Foreign Currency Services
|
Contact Us
|
|
Foreign Currency Deposit
|
Contact Us
|
Miscellaneous Fees
|
Bad Address/Returned Mail Handling Fee
(per piece)
|
$3
|
|
Escheatment Fee
(per membership)
|
$50
|
|
Membership Inactivity Fee
(per month after 24 months of inactivity)
|
$5
|
|
Loan Late Fees
(or 5% of your minimum payment,
whichever is greater)
|
$5
|
|
Visa Late Fee
(or 5% of your minimum payment,
whichever is greater)
|
$5
|
| Card Replacement Fee |
$5 |
|
Plastic Claim Reversal
(per transaction)
|
$10
|
|
