Disclosures

Fee Schedule

Membership

  • Membership fee - $5.00 (one-time fee per member/per account. Non-refundable)

Share (Savings) Account

  • Early Account Closure (within 90 days of opening) 15.00

  • Reopening Closed Account (within 6 months) 15.00

Share Draft (Checking) Account

  • Check Reorder at cost

  • Closing Share Draft Account (involuntary) 10.00

  • Copy of paid draft 5.00
    (in excess of 2 per calendar month/per copy. Free in NetCU)

  • Draft returned unpaid (paper or EFT) 15.00

  • Stop payment (paper or EFT) 12.00

  • Temporary checks (per sheet/4 cks per sheet) 4.00

Bill Pay

  • CheckFree/Bill pay overnight check (per transaction) 14.95

  • Same-Day Bill Pay 9.95

  • Account-to-account transfer (outbound) 2.00

  • Account-to-account transfer (inbound) free

Traditional IRA Account

  • Annual administration fee to be determined

  • Opening new IRA (1st one only) 5.00

  • Closing IRA (last one only) 15.00

  • Transfer to another institution 15.00

ATM / VISA Credit & Debit

  • ATM transaction none¹

  • Deposit error at ATM 10.00

  • Deposit empty envelope 20.00

  • Foreign currency exchange 1% of transaction amount

  • Late Payment 10.00

  • NSF ATM/Debit withdraw 20.00

  • Over-the-limit 10.00

  • Replacement ATM, Credit, or Debit 5.00

  • Replacement credit card (rush) 25.00

  • Replacement debit PIN (rush) 25.00

VISA Products 

  • Gift card 3.00

    • Refund/unload 15.00

    • Inactive after 12 consecutive months of nonuse 5.00/mo

  • Everyday Spend Card 5.00

    • Refund/unload 15.00

    • Replace 5.00

    • Service 1.75

    • International transactions 2% of transaction

  • Travel card 7.00

    • Refund/unload 15.00

    • International transactions 2% of transaction

    • Reload 2.00

    • ATM withdraw 1.50

    • Inactive after 10 consecutive months of nonuse 10.00/mo

    • Denied transactions 0.50

Mortgage

  • Demand 35.00

  • Reconveyance 150.00

CO-OP Shared Branching

  • Refer to CO-OP Shared Branching Fee Schedule for CO-OP Shared Branch transactions

Other Fees

  • Account research (per hour/1 hr minimum) 25.00

  • Car-Fax (per search) 25.00²

  • Cashier’s check 5.00

  • Cashier’s check stop/Indemnity 25.00

  • Photocopies (per page) 1.00

  • Copy of deposited item 5.00

  • Copy of Credit Union Check (ban or cashier’s) 5.00

  • Copy of statement (per month. Free in NetCU) 5.00

  • Deposited item returned unpaid 20.00

  • DMV processing 50.00

  • Escheat processing 2.00

  • Express Mail 50.00³

  • Faxing (per page) 1.00

  • Incorrect or missing SSN 50.00

  • Legal processing (levy, lien, etc.) 15.00

  • Lien satisfied request 30.00

  • Money order (per item) 1.00

  • Notary (per signature) 15.00⁴

  • Return mail 5.00

  • Signature guarantee (per signature) 2.00

  • Stop payment (paper or EFT) 12.00

  • Verification of deposit 5.00

  • Wire transfer (incoming) 15.00

  • Wire transfer (outgoing domestic) 25.00

  • Wire transfer (outgoing international) 40.00


All fees will be assessed at the time of service or deducted from your account. If the balance is insufficient, you will be notified to pay the requested charge. JACom Credit Union may charge any of your accounts for any changes that are due.
Any fee or charge assessed to the Credit Union for extra services or special handling of your account will be passed on to you.
We reserve the right to change or amend this Fee Schedule at any time.
We will notify you as required by law of any changes in charges that may be imposed on an account but may not notify you of changes for extraordinary services furnished at your specific request.
1A surcharge may be assessed by the ATM owner/operator. Merchants may have a surcharge for POS transactions.
2Fee will be refunded if a loan is taken out at JACom CU for that specific vehicle.
3Additional fee for AM or weekend deliveries.
4Waived for JACom Credit Union documents.