La Loma Federal Credit Union Fee Schedule
As of 11/01/09 (subject to change)
GENERAL REGULAR SHARE ACCOUNTS ELECTRONIC SERVICES (CONT)
New member fee (waived if under 18) $5.00 Below minimum balance fee (<$50) $3.00 per mo Stop payment fee for recurring VISA charge $27.00
CU (Official) Check to 3rd party $2.00 Below minimum balance fee (<$5 if Proprietary ATM deposit adjustment $5.00
Cashier's Check $5.00* primary member is under 18) $1.00 per mo Non-proprietary ATM dep adjustment $10.00
Check cashing fee (deposit < $100) $5.00   Reg D over limit transaction fee $10.00 each ATM empty envelope deposit $27.00
Waived if funds are already available           ATM - CO-OP network transaction fee none
Cash or deposit 3rd party checks Greater of $5.00     - Other network transaction fee $1.50
  or 1% of total ATM overdraft fee $27.00
Inquire if Teller or Cashier's Ck has paid $5.00 CHECKING (SHARE DRAFT) ACCOUNTS Bill Payment Service Fee
Stop payment-Teller Check $27.00   Monthly service fees active users (2 bills per mo) none
Stop payment-cashier's Check $27.00   Basic Checking (waived w/direct dep) $5.00 inactive user (less than 2 bills per mo) $5.95
Revoke stop payment $7.00 Premier Checking (waived with avg CD copy of annuel bill payment activity $30.00
Deposit Canadian check (U.S. dollars) none balance $1,500 or more) $7.00 Stop payment fee for Bill Payment    
Deposit item sent on collection (including   Electronic Checking none check cancelled after processing date $27.00
Canadian check in Canadian dollars) $20.00 Boom! Checking none Copy of Bill Pay cancelled check $5.00 each
Copy of deposited item $5.00 per item Electronic Checking transaction fee none    
Returned check fee (deposited item) $10.00 Returned check (share draft) fee $27.00    
    Overdraft/Courtesy payment of NSF item $27.00 LOANS  
Returned check fee (deposited at     Stop payment fee (share draft) $27.00 Late payment fee (except Overdraft 10% of pmt due
non-CO-OP ATM) $20.00 Overdraft transfer from savings $3.00 L-O-C or VISA) min $5,max $20
Redeposit returned check $5.00 Overdraft transfer from Line of Credit $3.00 Late payment fee (Overdraft L-O-C) $15.00
Returned check fee (VISA payment) $27.00 Copies of paid share drafts obtained   VISA temporary limit increase $20.00
Returned ACH debit (NSF) $27.00 from credit union (2 per month free) $2.00 each Loan amortization schedule-up to 10yrs $5.00
Levy - IRS, Marshal, etc $10.00 Copies of paid share drafts obtained Loan amortization schedule-over 10 yrs $10.00
Levy - State $3.00 through Online Banking none   Handling fee for adding forced collateral  
Subpoena/Search (1/4 hour minimum) $15.00 per hour Copies of paid share drafts requiring protection insurance $20.00
Account research (1 hour minimum) $15.00 per hour special handling $3.00 each Interest rate review fee $20.00
Fax (CU business only) excl cover pg $1.00 per page Temporary checks (new acct-1st 12 Loan extension fee $20.00
Fedex (Letter) $25.00   checks free) $2.50 (12 cks) Skip a payment fee $40.00
Photocopies (exc Statements or VISA) $0.50 per page   Collection fee $30.00
Statement copies $2.00 each stm       (Filing and court costs extra)  
Paper statements-Electronic checking $2.00 each stm    
Account history printout (1 month) $2.00 each mo Lien satisfied/Duplicate title (notarized) $15.00
Prematrue withdrawal-Club acct-1 free $10.00   ELECTRONIC SERVICES Mortgage demand fee - 1st trust deed $30.00
Premature closure of Certificate acct 90 days interest   Wire transfer (outgoing-domestic) $20.00 - 2nd trust deed $30.00
Locator fee (invalid address) $2.00   Wire transfer (outgoing-international) $35.00 Reconveyance $45.00
Notice of Escheat mailing fee $2.00 CU to CU transfer (select CU s only) $8.00 Home Equity application fee $300.00
Signature guarantee $5.00 Instant Check Pmt (by phone) $5.00 each Waived when borrowing $7000 or more
IRA application fee none Dishonored preauthorized debit $27.00 Subordination fee $40.00
IRA annual maintenance fee $20.00 per yr ACH stop payment fee $27.00 Real Estate Wire Transfer fee $50.00
Deposit Verification/Credit Rating $5.00 Copy of VISA sales transaction $10.00 each
Account verification letter $5.00 Replace lost or stolen VISA/ATM PIN $5.00
      Replace lost or stolen VISA/ATM card $5.00
    VISA/ATM card-express order $25.00
    VISA late payment fee $20.00
Secured VISA annual fee $25.00