Because we love our members and staff and want to keep everyone as healthy as possible, we encourage members to wear face coverings while visting our lobbies and offices.
Thank you for your cooperation and understanding.
-Journey Credit Union.
COVID-19 NOTICE: FACE COVERINGS ENCOURAGED WHILE INSIDE OUR LOCATIONS.
Because we love our members and staff and want to keep everyone as healthy as possible, we encourage members to wear face coverings while visting our lobbies and offices.
Thank you for your cooperation and understanding.
-Journey Credit Union.
| Share Account Fees | |
|---|---|
| Returned Mail Fee | $5.00 per month after two (2) statement cycles |
| Christmas Club Early Withdrawal Fee | $10.00 per withdrawal |
| Money Market Accounts | |
|---|---|
| Withdrawal Fee | $10.00 per withdrawal (6 free per month before fee is incurred) |
| Monthly Service Fee | $5.00 (if account falls below $5,000) |
| Checking Account Fees | |
|---|---|
| Privilege Pay | $25.00 per item Max $100/day |
| NSF Fee | $25.00 per item |
| Returned Item Fee (ie: check you deposited) |
$5.00 |
| Stop Payment Fee | $25.00 per item + tax |
| Check Printing Fee | Prices vary per style of checks |
| Check Copy Fee | $2.00 per item |
| Overdraft Transfer From Other Account Fee | $2.00 per transfer |
| Hobby Checking Account Service Fee | $15.00 per month |
| Other Service Fee (Applicable to all accounts) | |
|---|---|
| Account Reconciliation Fee | $20.00 per hour after one (1) request, one (1) hour minimum |
| Account Research Fee | $20.00 per hour after one (1) request, one (1) hour minimum |
| Statement Copy Fee | $5.00 per copy |
| Deposited Item Return Fee | $7.00 per item |
| Wire Transfer (incoming) Fee | $5.00 per transfer |
| Wire Transfer (outgoing) Fee | $20.00 per transfer |
| International Wire Transfer Fee | $40.00 per transfer |
| Cashier's Check Made Payable to Other Than Member Fee | $3.00 per check |
| Cashier's Check Stop Payment Fee (lost or stolen) | $15.00 per request (with a significant waiting period prior to re-issue) |
| Deposited Item Copy Fee | $4.00 per copy |
| Money Order Fee | $1.50 per Money Order |
| Legal Process Fee | $25.00 per item |
| Inactive Account Fee | $5.00 per month after one (1) year of inactivity and account under $250.00 |
| Account Closure Fee | $20.00 if closed within 90 days of opening/re-opening |
| Account Re-Open Fee | $20.00 if opened within 90 days of closure |
| Non-Member Check Cashing Fee | $15.00 or 1% of amount of check; whichever is greater |
| Withdraw fee for Members Not in Good Standing | $15.00 per withdrawal |
| Account Abuse Closure | $25.00 |
| Electronic Funds Transfer Fees | |
|---|---|
| Non-proprietary ATM Withdrawal or Transfer Fee | $0.75; no charge for deposits |
| ATM Transactions - all accounts except S14/S20 | The first eight (8) transactions per month are FREE; $0.75 per transaction thereafter; "swipe and sign" transactions are always free |
| ATM Transactions - S14 | 12/month at no charge |
| ATM Transactions - S20 | 4/month at no charge |
| ATM/Debit Card Replacement Fee | $7.00 per card |
| ATM Card on eligible Union Vacation accounts | $7.00 per card |
| NSF/Card Card Capture Fee | $20.00 per item |
| Debit Card Fees | |
|---|---|
| Debit Cards can also be used as an ATM Card | See previous EFT section for applicable fees |
| Fees When Used As "Swipe and Sign" Purchase | None |
| Check Cashing Fees | |
|---|---|
| Member with only basic savings account (S1) AND with a balance of less than $100 PRIOR to transaction | $1.00 per $100 of check, up to maximum of $5.00 |
| Misc Fees | |
|---|---|
| Small Dollar Loan Application Fee | $20.00 |
| ATM Empty Envelope Deposit | $25.00 each |
| Mortgage Subrogation Fee | $35.00 |
| Loan Coupon Fee at Loan Issuance | $10.00 |
| Line of Credit Adv ($100 min. per request) | $5.00/request |
| Overdraft Loan Adv ($50 min. per request) | $1.00/adv |
| One Time ACH Member initiated payment over the phone | $5.00 |
| Converting a member check to a non-member cashiers check | $5.00/check |
| Bill Payment Returned Item or Photocopy | $10.00 |
| Coin counting fee for amounts greater than $50 will cost 2% of the amount counted | |