ALEC FEE SCHEDULE

ALEC FEE SCHEDULE
ACCOUNT MAINTENANCE
Official verifications
Closed account - within 30 days of opening
Statement/history printout - per page
Inactive membership - per quarter
Research fee - per hour
SHARE DRAFT ACCOUNT FEES
$
$
$
$
$
10.00
15.00
2.00
25.00
30.00
ACH FEES
Returns - per item
Stop payment
Effective 2/1/2015
$ 28.00
$ 28.00
ATM & SHARED BRANCH FEES
Shared Branch transactions (visit alecu.org for details) No Charge
Withdrawals at ALEC ATMs
No Charge
Balance inquires at ALEC ATMs
No Charge
First 6 withdrawals per month at non-ALEC
No Charge
ATMs*
Over 6 withdrawals per month at non-ALEC
$ 2.00
ATMs - per withdrawal*
Balance inquiries at non-ALEC ATMs - per inquiry $ 1.00
*Rewards Checking - Fee after 10 withdrawals per
calendar month
Rewards Checking - monthly fee*
Overdraft - per item returned NSF or Paid
Overdraft from Savings
Overdraft Protection—Courtesy Pay
Paper checks, automatic withdrawals (ACH) and
recurring debit
ATM and Everyday Debit - requires consent
Stop payment of member check**
Stop payment of Bill Pay check**
** Paper or electronic
Copy of cleared check
HSA Account - monthly fee
TRAVELER’S CHECKS FEES
*Refers to the number of days of dividend forfeiture
SHARE COLLECTION FEES
$ 20.00
$ 20.00
$ 90.00
ATM - DEBIT- GIFT CARD FEES
Personalized Debit Card - per image
Replacement of ATM/Debit Card
ATM/Debit Card overdraft fee - requires consent
Expedited ATM/Debit Card
Expedited ATM/Debit PIN
Visa® Gift Card - per card purchased*
$
$
$
$
$
$
9.95
10.00
28.00
51.50
51.50
3.00
Visa Gift Card - lost or stolen reissue fee
$
5.00
CREDIT CARD FEES
Annual fee
Replacement of Visa Credit Card
Expedited Visa Credit Card - next day
Expedited Visa Credit Card - second day
Replacement of Visa Credit Card PIN
Visa international transactions:
Multiple currency - per US Dollar
Single currency - per US Dollar
Visa cash advance fee ($50 Maximum)
Design Your Own Card
Late payment fee
Return credit card payment fee
Copy of a Visa Credit Card Statement
$ 28.00
$ 28.00
$ 28.00
$
6.00
$
5.00
HOLIDAY CLUB ACCOUNT FEES
Early redemption - accounts 6 months or less*
90 days
Early redemption - accounts 7-47 months*
180 days
Early redemption - accounts 48 months and over* 270 days
*Non-members $3.00 per card plus 1% of total sale
None
$ 28.00
Waived if member has an ALEC Checking account with $500
in direct deposit per month or an ALEC Visa or ALEC loan with
activity within the last statement cycle.
Early withdrawal
*Plus international fees
5.00
HSA FEES
CERTIFICATE ACCOUNT FEES
Negative balance collection
Foreign check collection* - under $1,000
Foreign check collection* - $1,000 or over
$
*Waived with select services and transactions
None
$ 10.00
$ 31.00
$ 20.00
No charge
1.00%
0.80%
3% of each cash
advance amount
$9.95 per card
Up to $25.00
Up to $24.00
$ 5.00
$ 25.00
For members
For non-members - based on total sale
Gift checks - per check
No Charge
1%
$ 2.00
CASHIER’S CHECK FEES
Made out to member
Made out to 3rd party
Stop payment - only after 90 days of issuance
No Charge
$ 2.00
$ 28.00
WIRE TRANSFER FEES
Incoming
Outgoing domestic
Outgoing international
No Charge
$ 25.00
$ 55.00
MISCELLANEOUS FEES
Copy of a deposited item
Expedited mail – standard delivery
Expedited mail – Saturday delivery
Garnishments/tax levies/citations
Online Banking payment investigation
Return loan payment check
Return deposit check
Drawn on your account
Drawn on another person’s account
Businesses presenting member checks
(Over the counter checks)
Mortgage subordination fee
$ 6.00
$ 10.00
$ 20.00
$ 100.00
$ 28.00
$ 28.00
$ 28.00
$ 28.00
$ 5.00
$ 150.00
401 N. Riverside Dr., Suite 1-A
Gurnee, IL 60031-5915
p: 800.762.9988
f: 847.599.0056
alecu.org
58808-Fee-0215