Fee Schedule* Effective May 6, 2015

Transcription

1 Fee Schedule* Effective May 6, 2015 Membership New Membership Fee (per member)... $5.00 Membership Fee Youth/Teen Account... $2.50 Partner Paramount Dues... $7.50/month Partner Dues... $5.00/month Re- Dues... $10.00/month Business Partner Dues... $7.00/month Non-Sufficient Funds... $30.00 Overdraft Courtesy Fee... $30.00 Stop Payment: Member Draft, CU Draft or ACH Debit... $30.00 Check Copy P2 (Free online)... $6.00 Check Orders +... Depends on Style Account History Printout P... $5.00 Temporary Checks +... $2.00 each Monthly Change Order Totals Above $1, Business Partner % of total Express Business % of total Transactions in excess of 150/month with Express Business Service Fee... $10.00/month Overdraft Transfer FREE, Fitzsimons & Re-. $3.00 Partner... $2.00 Partner Paramount... $1.00 Overdraft from Business Savings to Business Transfer Fee... $5.00/transfer VISA Debit Card/ATM Card Fitzsimons VISA Debit Card Annual Fee... $12.00 ATM Card Annual Fee... $30.00 Withdrawals at Fitzsimons Owned ATMs... FREE Withdrawals at Non-Fitzsimons Owned ATMs: First 4 per Month: FREE, $1.50 per Subsequent Transaction Withdrawals at Non-Fitzsimons CUSN Outlets: First 4 per Month: FREE, $3.00 per Subsequent Withdrawals ATM Deposit Adjustments (Returned Item)... $6.00 each ATM Adjustments (All Others)... $2.00 each Wire Fees Western Union... $20.00 Direct to Mexico Wire... $10.00 Incoming Wire Fee (any source)... $5.00 Wire Transfer Outgoing P2... $15.00 Wire Transfer Outgoing International... $40.00 International Transactions Single Currency (transactions made in foreign/international countries and in U.S. dollars) % of transaction Multi Currency (transactions made in foreign/international countries and in foreign currency)...1% of transaction Miscellaneous Services Paper Statements**... $2.00 Check Cashing... $3.00 for share only below $250 balance Money Orders ($1,000 Maximum)... $2.00 Notary Service for Members/CUSN/Non Members...FREE/$3.00/$5.00 Signature Guarantee (members only)... FREE Express Pay Fee (Expedited Payments in Online Bill Pay)... fee varies depending on biller and date due Account-to-account transfers (incoming)... FREE Account-to-account transfers (outgoing)... FREE Popmoney (individual-to-individual transfers). $ $1.75 fee varies depending on amount and date received Account/Loan Maintenance Verification of Deposit... $10.00 Account Closure within 6 Months of Opening... $25.00 Statement Copies (per statement) Free with estatements... $5.00 Returned Check (Member as Payor/self-to-self)... $30.00 Returned Check (Non-Member Payor)... $15.00 ACH Checks Placed for Collection... $20.00 ACH Non-Recurring Origination Fee ACH Origination Returned Fee... $30.00 Reopen Share/Share Draft First Time/Each Additional Time... $15.00/$25.00 Regulation D Excess Activity Fee... $10.00 per transaction after 6 th Reg. D withdrawal in monthly statement period Dormant Account Fee- after one year... $5.00/month * Fees are Subject to Change P Free for Partner Accounts P2 ½ price for Partner & Partner Paramount Accounts + Free for Partner Paramount Accounts **Waived for members under age 18, born on or before 1945; waived if signed-up for estatements Fee will decrease by $0.25 every time a debit card tied to this account is used

2 Account Comparison Partner Paramount Partner Free Dividend Earning FREE Skip-a-Pay1 (one per year) Loan Discount % APR2 0.10% APR2 Overdraft Forgiveness3 (one per year) Overdraft Transfer Fee $1.00 $2.00 $3.00 FREE Visa Debit Card FREE Online Banking, Bill Pay & Mobile Banking w/remote deposit capture FREE Checks First box free Worry Free Overdraft Protection Available FREE estatements4 ANDI Telephone Banking Service Shared Branching Transactions5 & Access to over 30,000 ATMs FREE Official Teller Checks $10,000 Accidental Death & Dismemberment Insurance $5,000 Identity Theft Insurance $80 Everyday Rebate Rewards Cash Back Rewards Online Savings Pharmacy Discount Card Extras Mobile Savings App No Minimum Balance Monthly Dues $7.50 $5.00 Monthly dues will decrease by $0.25 with every debit card transaction. 1) Valid only during formal Skip-A-Pay period. Valid on all loans under the same member number with a Partner or Partner Paramount. Must be a member in good standing and all loans must be paid current. Offer subject to approval. Limit one (1) month skipped per loan (November, December or January) per calendar year. Offer excludes Certificate Secured Loans, Lines of Credit Loans, Credit Cards, PIC Loans, Worry Free Repayment Loans, and all Real Estate Secured Loans. Interest will continue to accrue, even though a payment will not be received. All other agreements in the loan remain in effect except those changed by this offer. Choosing to skip-a-payment will extend the term(s) of the loan(s). Skip-apayment offer is approved if you do not receive notice otherwise. 2) Valid on all loans under the same member number with a Partner or Partner Paramount. APR = Annual Percentage Rate. Must Qualify. 3) Upon request. $30 maximum. 4) $2.00 Paper Statement fee. 5) 4 free per month then $3 per additional.

3 Dear Member, As a Partnering Credit Union, we want to ensure that we provide our members with the best products and services. After researching our competition, listening to our members and updating our benefit package, we wanted to inform you of the changes to our checking accounts becoming effective May 6th, On the reverse side of this letter, you ll find a side-by-side comparison chart of all of our checking accounts. In addition, we ve included an updated Fee Schedule. Free Skip-a-Pay 1 (one per year) with Partner and Partner Paramount Accounts Loan discounts 2 for Partner and Partner Paramount Accounts Overdraft forgiveness 3 (one per year) with Partner and Partner Paramount Account Elimination of $5.00 monthly fee (if not signed up for estatements) on the e Account Elimination of $100 minimum on the Partner Account And more! If you have any questions or would like to change to a different type of checking account, please stop in to either branch, give us a call or us at the information listed below. Sincerely, Nina Myers Vice President Operations

4 Notice Dear Member, We are in the process of updating our records and require action from you if you would like to opt-out or continue opting out of all of our marketing mailings and s. If we do not hear back from you, you will be included in any future marketing communications. The opt out is on an individual basis, not a membership basis; if there are joints or secondary owners on the account who want to be opted out, they ll need to opt out separately. How to opt-out: 1) Go to and fill out your information 2) Call our customer service number: or ; M-F 8:30am-5pm 3) Send us an to marketing@fitzsimonscu.com with the subject line Marketing Opt-Out and include your full name (and names of any joint or secondary members who would like to be opted out) and last 4 digits of the membership number you would like to be included in the opt out. 4) Stop by one of the branches (continued on back) FitzsimonsCU.com (800)

5 As our member, we try to provide you with important and valuable information that you would find relevant. We try to keep our mailings, s and overall marketing sent to you at a minimum. We will never sell your information to third parties or send you spam. Types of marketing you can expect from us are: Mail: postcards to announce upcoming events such as Shredding days, Fall Fest, Santa, etc., and current promotions and offers. Includes mailings from our partners such as CUNA, TruStage and CUDC. monthly e-newsletters that include helpful hints for banking, important announcements regarding data breaches, fraud, schemes and random customer service surveys. If you would like to update your contact information or opt-out in the future, please either give us a call or send us an at the contact info provided on reverse side. Thank You, Polina Yakusheva Vice President Marketing & Business Development Federally Insured by NCUA.

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