Page
1
of
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MISCELLANEOUS
FEES
The
following
fees
are
for
Share
Accounts,
Share
Draft
Accounts,
VISA®
Check
Cards,
and
miscellaneous
services
offered
by
Dupaco
Community
Credit
Union.
This
fee
schedule
is
non-inclusive
and
is
subject
to
change by
approval
from
the
Board
of
Directors.
Please
check
with
a
loan
officer
regarding
fees
for
mortgage
and
consumer
loans.
Please
let
us
know
if
you
have
any
questions
or
concerns
about
our
fees
and
charges.
MISCELLANEOUS
FEES
AND
CHARGES
Deposit
Services
Consumer
Membership
-
reopening
within
six
months
of
closing:
$25.00
Inactive
account
(Dupaco
closed,
send
check):
$25.00
Abandoned
account
fee
-
Unclaimed
share
fee
before
escheating
to
the
state:
$50.00
New
account
closed
prior
to
six
months
from
open
date:
$25.00
Stop
Payment
(check,
ACH,
&
bill
pay):
$30.00**
per
item
Consumer
Overdrafts
(Paid
Items):
$30.00
per
item
*You
will
not
be
charged
an
overdraft
fee
if
we
pay
an
overdraft
transaction
that
is
less
than
$5.00
Temporary
drafts
:
$5.00**
each
Identity
Theft
Protection:
$1.95
per
month
Deposit
Services
Business
Special
statement
handling:
$5.00**
each
Dupaco
deposit
zipper
bag:
$3.00
Locked
Zipper
Bag:
$35.00
Business
stamp
-
self
inking:
$16.00**
Business
Stamp
-
rubber:
$9.00**
Rolled
Coin
:
$0.10
per
roll
Sweep
Fee:
$5.00**
per
month
Analysis
Checking
Monthly
Fee:
$10.00**
per
month
Analysis
Checking
Per
Item
Fee
for
checks
paid
and
items
deposited:
$0.15**
per
item
Analysis
Checking
Per
Item
Fee
for
ACH:
$0.10**
per
item
Merchant
Visa
Processing
Fees:
Price
varies
Business
Overdrafts
(Paid
Items):
$30.00
per
item
*You
will
not
be
charged
an
overdraft
fee
if
we
pay
an
overdraft
transaction
that
is
less
than
$5.00
Teller
and
Cash
Handling
Service
Charges
Self
Service
Coin
Counting:
Free
for
Members,
5%**
of
total
for
non-members
or
not
deposited
Money
Orders:
$5.00**
each
Certified
draft:
$5.00**
each
Official
Check:
$5.00**
each
Incoming
Wire
Transfer:
$10.00
Domestic
Wire:
$25.00
each
International
Wire
Transfer:
$55.00
each
Foreign
currency
exchange
fee
(includes
Canadian
checks):
$35.00
Telephone
transfer
handled
by
staff:
$5.00**
Staff
Assisted
Phone
Balance
Inquiry:
8
free
per
month
-
$5.00**
per
inquiry
after
8
per
month
Check-cashing
fee
(non
member):
$8.00
each
Visa
and
Money
Card
Service
Charges
ATM/Money
Card
transactions
at
Dupaco
ATMs:
Free
Non-Dupaco
ATM's
over
eight
transactions
per
month:
$0.50**
each
Late-payment
fee:
$15.00
Replacement
fee
for
ATM/MoneyCard
and
Credit
Cards:
$10.00**
Copy
of
receipt
or
Visa
Statement:
$11.00
Cash
advance
fee
from
VISA
-
1.5%
of
advance
amount
(Min.
$3
-
Max.
$15):
1.5%
of
advance
minimum
$100.00
increment
to
available
limit
Immediate
Visa
credit
availablility:
$5.00
Rush
fee
for
ATM/Visa:
$50.00**
Foreign
Transaction
Fee:
1%
of
Amount
Stop
Payment
(Visa):
$30.00
Card
Processing
Fee
(Phone):
$15.00
Card
Processing
Fee
(Online):
$9.00
Online
Service
Charges
Per
bill
paid
or
attempted
to
pay
(Free
if
signed
up
for
e-statements):
$0.50**
Research
Fees
Account
research
or
reconciliation
fee
:
$25.00**
per
hour
Undeliverable
statement
fee/address
correction:
$5.00
Fax
(inside
continental
U.S.):
$5.00**
Document
Copy
Fee:
$1.00**
Other
Service
Charges
Signature
Guarantee:
Available
at
no
charge
for
members
only
Notary
Services:
$10.00
for
Non-Members
Garnishment:
$50.00
Levy
Fee:
$25.00
Child
Support
Fee:
$10.00
Page
2
of
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Safe-Deposit
Box
Safe
Deposit
Box
Past
Due
Late
Fee:
$10.00
Re-Key
Box
Due
to
Lost
Key:
$100.00
Drill
box
open:
$175.00
Safe
Deposit
Box
3
X
5
X
21:
$25.00
Safe
Deposit
Box
5
X
5
X
21:
$35.00
Safe
Deposit
Box
3
X
10
X
21:
$40.00
Safe
Deposit
Box
5
X
10
X
21:
$60.00
Safe
Deposit
Box
10
X
10
X
21:
$100.00
*
All
fees
marked
with
an
asterisk
(*)
are
subject
to
Iowa
state
sales
tax
of
6.000%.
**
All
fees
marked
with
two
asterisk
(**)
are
subject
to
Iowa
local
sales
tax
of
1.000%.
ELECTRONIC
FUNDS
TRANSFER
SERVICE
LIMITS
AND
FEES
ACH
Transfer
to
Another
Financial
If
you
have
this
EFT
service,
the
following
limitations
and
fees
will
apply
to
your
account:
*
We
do
not
charge
for
any
preauthorized
EFTs.
*
We
will
charge
$30.00
per
item
for
each
stop-payment
order
for
preauthorized
transfers.
Direct
Deposit
Direct
Deposit.
If
you
have
this
EFT
service,
the
following
limitations
and
fees
will
apply
to
your
account:
*
We
do
not
charge
for
any
preauthorized
EFTs.
*
We
will
charge
$30.00
plus
tax
for
each
stop-payment
order
for
preauthorized
transfers.
Money
Card
Money
Card.
If
you
have
this
Combined
ATM/Point
of
Sale/Debit
Card
service,
the
following
limitations
and
fees
will
apply
to
your
account:
*
You
may
withdraw
up
to
a
maximum
of
$1000.00
(if
there
are
sufficient
funds
in
your account)
per
day.
*
For
security
purposes,
there
are
limits
on
the
frequency
and
amount
of
transfers
you
may
make
using
ATMs
and
this
Point
of
Sale
service.
*
If
you
are
the
age
18
and
over,
you
may
withdraw
to
a
maximum
of
$1000
(if
there
are
sufficient
funds
in
your account)
per
day.
If
you
are
between
ages
14-18,
you
may
withdraw
a
maximum
of
$250
(if
there
are
sufficient
funds
in
your account)
per
day.
*
There
is
no
charge
for
ATM
withdrawals
at
machines
owned
by
us.
*
There
is
no
charge
for
ATM
deposits
at
machines
owned
by
us.
*
8
ATM
withdrawals
per
month
are
allowed
free
of
charge.
*
After
the
eighth
transaction
we
will
assess
a
$0.50
per
transaction
fee.
Sales
tax
applies.
*
You
may
make
unlimited
purchases
at
POS
terminals
per
day
(if
there
are
sufficient
funds
in
your
account).
*
We
do
not
charge
for
any
POS
transactions.
COMMON
FEATURES
Bylaw
Requirements.
You
must
complete
payment
of
one share
in
a
Savings
(Share)
account
as
a
condition
of
admission
to
membership.
Par
Value
of
Shares.
The
par
value
of
a
share
in
the
credit
union
is
$25.00.
Nature
of
Dividends.
Dividends
are
paid
from
current
income
and
available
earnings,
after
required
transfers
to
reserves
at
the
end
of
a
dividend
period.
Not
applicable
to
term
share
or
share
certificate
accounts.
National
Credit
Union
Share
Insurance
Fund.
Member
accounts
in
this
credit
union
are
federally
insured
by
the
National
Credit
Union
Share
Insurance
Fund.
DEPOSIT
PRO,
Ver.
23.4.10.021
Copr.
Finastra
USA
Corporation
1996,
2023.
All
Rights
Reserved.
IA
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IA
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