Effective Monday, August 10, 2020

FEE SCHEDULE (PDF)

DESCRIPTIONAMOUNT
CHECKING ACCOUNT FEES
Check OrderVaries
(Free Spirit Members – 1 free box per year) 
Starter Checks per page (12 Checks free)$2.00
Discretionary Pay Overdraft (each item)$30.00
Returned Draft/ACH – NSF (each item)$30.00
Stop Payment Draft/ACH (per request)*$30.00
Copy of Check (per check)*$3.00
Monthly Account Maintenance*$0.00
Overdraft Transfer From Savings or Line of Credit (per item)*$0.00
Monthly Business Account Maintenance**$7.50
Monthly New Beginnings Account Maintenance$10.00
ATM/DEBIT CARD FEES
Card Replacement Request*$10.00
PIN Reorder Request$3.00
Balance Inquiry (each) (5 free/month)$1.00
Withdrawals (5 free per month)$1.00
Debit/ATM Card Rush Order$50.00
Pull/Re-address$5.00
Overdraft if opted in (each item)$30.00
Temporary Limit Increase$0.00
VISA CREDIT CARD FEES
Statement Copy$2.00
Duplicate Card Request*$10.00
Late Charge (per month)$25.00
Card Capture$0.00
Credit Card Replacement Rush$50.00
LOAN FEES
Consumer Loan Late Charge (per month)$25.00
Home Equity Loan Late Charge (per month)5% Pmt Due
Lien Verification (each piece of collateral)$0.00
Loan Modification$25.00
Loan Subordination$100.00
Assumption$100.00
Payment by Phone Employee Transfer$3.00
Payment by Phone Debit/Credit Card$10.00
Payment by Phone other Fin. Inst.$5.00
Replace Phone Payment Book$5.00
Repossession Cancellation ($100)Pass-Thru
Auto Repossession ($400)Pass-Thru
RV Repossession ($750)Pass-Thru
BUSINESS LOAN FEES
Business Loan Application$300.00
Business Loan Origination1%
Business Loan DocumentPass Thru
INDIVIDUAL RETIREMENT ACCOUNT (IRA) FEES
Annual Account Maintenance (per account)N/C
Account Closing$0.00
WIRE TRANSFER FEES
Domestic Outgoing (each)*$20.00
Foreign Outgoing (each)$30.00
Incoming WireN/C
LEGAL FEES
Levies, Writs & Garnishment (each)$50.00
MISCELLANEOUS SERVICE FEES
Online Bill Pay$0.00
Inactive Online Bill Pay (per month)$0.00
Mobile Text Banking (per text)$0.00
Phone Transfer (per transfer)* (No fee charged if CU*Talk or online banking is utilized)$3.00
Cashier’s Check (each)* (Free Spirit Members – 1 free check per month)$3.00
Cashier’s Check Stop Payment$30.00
Member check replaced w/ Cashier Check$20.00
Money Order (each)* (Free Spirit Members – $0.50)$2.00
Traveler’s Card (each)$4.95
Gift Card (each)$4.95
Reload Fee$2.95
Check Cashing Fee* (Less than $200 in account, over 18, no other services)$3.00
Mailing a Paper Statement$0.00
Statement Copy / Activity Printout (per page)*$1.00
Current History up to last 30 days$1.00
Foreign Item Deposit (each, plus Bank Fees)$5.00
Deposited Item Returned Unpaid (each)$15.00
To me/from me or “Cash” Check Return Item$30.00
External ATM/Shared Branch Returned Item$15.00
External ATM/Shared Branch AdjustmentPass Thru
Account Balancing$25.00
Account Research$25.00
Dormant Account (inactive 1 year)$10.00
Account Closing Fee (within 6 months)$5.00
Escheatment of Funds$50.00
Returned Mail / Bad Address (per month)$10.00
Non-Member Check Cashing Fee (each item)$5.00
Share Account Maintenance Fee (per month)*$3.00
Verification of Deposit$5.00
Outgoing Fax/Copies$0.00
Reopen Closed Account (in last 5 months)$0.00
Skip-A-Payment$20.00
SAFE DEPOSIT BOXES (WATERFORD WEST BRANCH ONLY)
Sizes and Prices vary. Annual rent fee.
Please call for details.
Waterford West – Highland Rd. Branch Only.
ADDITIONAL FEES (IF APPLICABLE)
Drill Fee (if applicable)$200.00
Key Replacement (if applicable)$50.00
Late Rental Fee$25.00

Creating relationships that are beneficial for member-owners is the focus of BBCU. Many fees may not be applicable to you.
*May be waived based on Gividends tiered service level.
**Waived if daily balance of $7,500 is maintained.