Effective July 1, 2010

 IRA SHARE ACCOUNT FEES

Account Closure

$25.00 / account (if closed within 1 year of opening)

 SHARE DRAFT ACCOUNT FEES

Nonsufficient Funds	$25.00
Returned Item	$25.00 / item
Stop Payment	$15.00 / request $15.00 / block of checks
Copy of Paid Share Draft	$3.00 / item
Overdraft Transfer	$10.00, 1 free per month
Bill Payer	$5.75 / month
Recurring Debit Overdraft	$25.00

 
  OTHER SERVICE FEES

Wire Transfer:       Incoming       Outgoing       International	$10.00 / transfer $15.00 / transfer $35.00 / transfer
Western Union:       Within the U.S.       International:             Amounts under $500.00             Amounts $500.00 or greater	$15.00 / transfer $35.00 / transfer $25.00 / transfer plus 2% of principal
Money Order	$1.00 / money order
Money Order stop payment	$15.00
Travelers Check	$ .60 / $100.00
Travelers Check for two	$ .50 / $100.00
Account reconcilement	$20.00 / hour ($10.00 minimum charge)
Account activity printout	$2.00 / printout
Deposited item return	$25.00 / item
Dormant account	$3.00 / quarter charged after 3 years
Copy of statement	$3.00 / statement
Overdraft	$25.00 / item
Return item	$25.00 / item
Share draft printing	prices vary on style
Insufficient address	$10.00 / year if statement is returned undeliverable                      with no forwarding address
Overdraft Transfer	$10.00 / transfer
VISA Gift Card	$2.50 each
Account verification processing	$5.00 / verification
Postal address service correction	$2.00 / account
Canadian check processing	$10.00, does not include exchange rate
Court order / legal / tax levy	$35.00
Shared Service Center Access	$1.00 / account per visit

 EFT FEES

ATM Withdrawal/transfer	$1.00 / transaction, 8 free per month            (waived for transactions at Proprietary ATMs)
Card Replacement	$5.00 / card
ACH Overdraft	$25.00 / item
ATM  Inquiry	$1.00 / inquiry
Online Banking:       Stop Payment       Return Items	$15.00 $25.00
Overdraft Transfer	$10.00 / transfer

 SHARE VALUE

Par value of one share

$5.00

The fees appearing on this fee schedule are accurate as of the effective date shown above.  If you have any questions or require current fee information on your accounts, please call the credit union. 

Statutory Lien Notice.  If you are in default on a financial obligation to Americo Federal Credit Union, Federal Law gives us the right to apply member shares, dividends and deposits in your account(s) at the time of default to satisfy the obligation.  When you default, we may exercise the right without further notification to you.  Further, we may impress shares of any member who is a responsible party on a financial obligation in default at the credit union.