Schedule of Fees and Charges

Effective 5-14-2008

GENERAL FEES

Account Research/Reconciliation, per hour .......................$ 30.00
Cashier’s Check, per check...........................................$ 2.50
Collection Item, per item............................................. at cost
Credit Union Checks Issued to Third Party, per item..............$ 2.50
Dormant Account (no activity for 2 years, does not apply to Scottie
Savers Account) Monthly Service Fee................................$ 2.00
Money Order, per item.................................................$ 1.00
Non-Member Check Cashing Fee, per item ........................$ 3.00
Non-Sufficient Funds, per item (check or automated) ..........$ 28.00
Notary Fee, per signature (non-FFCU documents) ...............$ 10.00
Overdrawn at ATM .....................................................$ 28.00
Processing Legal Documents, per item (e.g. tax levies, judgments,
subpoenas) ..............................................................$ 25.00
Returned Item (deposited or cashed), per item .................. $ 28.00
Returned Item or Deposit Adjustment (ATM) .......................$ 28.00
Returned Item (ACH, Bill Pay, Loan Payment) ..................... $ 28.00
Statement Copy/Copy of Deposit Item, per item ................. $ 4.00
Stop payment on ACH debit, per debit ............................. $10.00
Stop Payment on Cashiers Check or Credit Union Check, per check or
range (lost, stolen or destroyed ONLY).............................. $ 10.00
Stop Payment on Loan Draft, per draft/check or range ......... $ 10.00
Non-FFCU and non-COOP ATM Withdrawal and Inquiry per transaction
.............................................................................$ 1.00
Traveler’s Cheques for two ............................1% of total purchase
Wire Transfer, per wire (outgoing) ...................................$ 10.00

REGULAR SHARE (Savings)
Membership Entrance Fee ............................................. $ 5.00

CHECKING ACCOUNT
Prestige Checking, monthly service charge ......................... $ 6.00
Business Prestige Checking, monthly service charge ............. $ 10.00
Payment of Non-Sufficient Funds item (courtesy pay), per item (check
or automated) ...........................................................$ 28.00
Check Printing ............................................................At cost
Copy of Check Card Sales Draft Not in Dispute, per draft ......... $ 5.00
Chargeback Processing, per debit (merchant dispute) ............$ 25.00
Special Rush Order for ATM or Debit Check Card .................. $ 20.00
Card Replacement, ATM or Debit excluding stolen and expired..$ 15.00
Stop Payment, per check or range stop ..............................$ 10.00
Stop Payment on BillPay, per item or range stop ...................$ 10.00

CREDIT CARD ACCOUNTS
Chargeback processing per charge (merchant disputes) ..........$ 25.00
Copy of Check Card Sales Draft Not in Dispute, per item ........ $ 5.00
Credit Card Annual Fee, classic and credit builder only (free for silver
and gold members) .....................................................$ 10.00
Credit Card Over limit Fee, per billing cycle .......................$ 28.00
Credit Card Statement Copy, per statement ........................ $ 4.00
Late Payment Fee, 15 days past due ................................ $ 28.00
Non-Sufficient Fund Credit card check, per check .................$ 28.00
Returned Check, Credit card Payment .............................. $ 28.00
Stop Payment on Credit card Checks, per check or range ....... $ 10.00
Special Rush Order, per card ......................................... $ 20.00
Card Replacement, per card excluding stolen and expired ......$ 15.00

Additional fees assessed by the paying institution, may also apply.
Fees are subject to daily rate changes.

Automated means electronic transactions via ACH, ATM, or Debit.