Fee Schedule
This Fee Schedule sets forth the fees charged by Kaiperm CU for using various accounts and services. Please review this information along with the Membership Agreement, and Truth-in-Savings Disclosure to educate yourself on the best accounts and services for your financial needs. The Credit Union reserves the right to change the fees (as well as other terms of the Fee Schedule) at any time. The Credit Union will notify you of any changes as required by applicable law. Revised as of October 1, 2020.
| Share Value/Membership | Par Value of One Share (minimum deposit at account opening) | $25.00 |
| Early Closure Service Charges | Close Account within 90 days of opening | $15.00 |
| Early Certificate Withdraw | Varies on Amount | |
| Checking Account Service Charges | Checks & Deposit Slips | Actual Cost |
| Overdraft item paid (Courtesy Pay) | $25.00 per item | |
| Item Returned for Insufficient Funds (NSF)1 | $25.00 | |
| Deposit Item Returned Unpaid | $20.00 per item | |
| Transfer from Shares to Cover Overdraft | $5.00 per item | |
| Replacement Debit Card | $10.00 | |
| Debit Card Inactivity (Inactive for more than 12 months) | $12.00 | |
| International Transaction Fee | 1% of transaction amount2 | |
| Other Service Charges Applicable to All Accounts | Notary for Credit Union Documents | $15.00 |
| Research Paid Item | $6.00 per item | |
| Transaction Photocopy | $6.00 | |
| Domestic Wire Transfer (outgoing) | $25.00 | |
| International Wire Transfer (outgoing) | $30.00 | |
| Statement, Copy or Mid-Cycle | $2.00 per month | |
| Return Statement Charge | $5.00 | |
| Teller Check Payable to Third Party (waived for rent or mortgage checks) | $3.00 | |
| Additional CU Teller’s Check Payable to Member Issued Same Day | $1.00 per additional check | |
| Stop Payment: Single Item | $15.00 | |
| Stop Payment: Series of Checks | $20.00 | |
| Bond Insurance | Actual Cost | |
| Locator Charge | $5.00 per year | |
| Individual Retirement Account | $5.00 per year | |
| Written Verification of Deposit | $10.00 | |
| Incorrect Taxpayer ID Number | $50.00 | |
| Subpoena or Research of Records | $24 per hour | |
| Request for Records of Account | $24 per hour | |
| Photocopies | $0.20 per copy | |
| Reconciliation Assistance | $15.00 per hour | |
| Penalty to Terminate Account for Abusive Use | $35.00 | |
| Late Payment on Visa Credit Card | $10.00 | |
| Credit Card Cash Advance | See Visa Disclosure for fee | |
| Replacement Credit Card | $10.00 | |
| Visa Foreign Transaction Charge | 1% of transaction amount | |
| Third Party ATM Balance Inquiry | $1.00 | |
| Non-Proprietary ATM Third Party Surcharge | May apply as applicable | |
| Real Estate Service Charges | Demand for Payoff | Call for current amount |
| Subordination Charge | Call for current amount | |
| Third Party/Other Services | Actual Cost | |
| Reconveyance | Call for current amount |
1) An NSF service charge is assessed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate service charge.
2) This fee applies to any debit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States.
