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The date of this fee schedule is: March 3, 2008. The rates appearing below are accurate as of the date indicated above. If you have any questions, please call the credit union at (843) 556-4809.
Credit to Accounts for Member Deposits
The Credit Union's "daily cut-off time": All deposits or transactions received received after the time we close for business on a day we are open, received after we open our Night Depository, or received on a day on which we are closed for business, will be treated as if received on the next business day that we are open. Our business hours are listed below.
The Credit Union's "daily cut-off time" for Uniform Commercial Code Fund Transfers: Any dollar amount may be transferred until 1:00pm, on a business day. Any request for a transfer after 1:00pm, may be sent on the next business day we are open.
The Credit Union's business day disclosure: West Ashley Office: Lobby - Monday through Thursday 8:30am-5:00pm, Friday 8:30am-5:30pm and drive-thru Monday through Friday 8:30am-5:30pm excluding holidays. Our Night Depository is opened at 8:30am daily. (Night deposits made after 8:30am or on a day we are not open will be processed on the next business day we are open). North Charleston Office: Lobby - Monday through Thursday 8:30am-5:00pm, Friday 8:30am-5:30pm and drive-thru Monday through Friday 8:30am-5:30pm excluding holidays. Our Night Depository is opened at 8:30am daily. (Night deposits made after 8:30am or on a day we are not open will be processed on the next business day we are open). VA Medical Center Office: Monday through Friday 8:30am-1:00pm and 2:00pm-4:30pm. Our Night Depository is opened at 8:30am daily. (Night deposits made after 8:30am or on a day we are not open will be processed on the next business day we are open).
Electronic Funds Transfer Services Daily Limits on Transactions:
Visa Check Cards: Point of Sale transactions carry a $2500.00 daily limit and are limited to ten (10) per day.
ATM Machine(s): $500.00 daily limit
Networks Available for EFT Transactions:
CIRRUS, HONOR, STAR
Fees Applicable to EFT Transactions:
Transactions including inquiries using the CIRRUS or STAR Networks: 6 free per month thereafter, each transaction $.50 per transaction or inquiry. No charges at Charleston Area FCU owned machines.
Uniform Commercial Code Funds Transfer Services Security Procedures:
Direct Call for Wire Transfer Service
When wire transfer request for $2500.00 or less are received by Credit Union by telephone, the Credit Union Staff will verify Member/Joint Owner/Authorized Person by using information you have provided in our Membership Agreement and Account Card(s).
When the amount of the transfer requested exceeds $2500.00, the Credit Union staff will call back to verify your identity using either the the work or home telephone number provided on your Signature Card. The Credit Union will perform random call backs on wires of lesser amounts.
All Other Methods
Signature verification will be used on all wire transfer requests made in person. The Credit Union performs random callbacks according to wire amounts set by the Credit Union.
Fees and Services Charges for All Accounts and Services
| Membership Fee (one time upon application/non-refundable) |
$5.00 |
| Returned Item Fee (per item) |
$28.00 |
| Account Reconciliation Fee (per hour) |
$10.00 |
| Check Copy (per item) |
$1.50 |
| Check Copy Via Mail (per item) |
$1.50 |
| Check Copy Via Fax (per item) |
$2.75 |
| Statement Copy Fee (per statement/printout page) |
$2.00 |
| Official Check (not made to member) |
$1.00 |
| Official Check (made to member) |
No Charge |
| Wire Transfer Fee (per transfer) - incoming |
$6.00 |
| Wire Transfer Fee (per transfer) - outgoing |
$15.00 |
| Foreign Wire |
$30.00 |
| Share Transfer Fee |
No Charge |
| Excessive Share Savings Withdrawal Fee |
♦No Charge |
| Stop Payment Request (per single item or series of 3 or more) |
*$15.00 |
| ACH Stop Payment Request |
$15.00 |
| Insufficient Funds Draft Fee (per item) |
$28.00 |
| Official Check Copy |
$6.00 |
| Overdraft Fee (per item) |
$28.00 |
| Overdraft Transfer Fee (per transfer) |
No Charge |
| Check Printing Fee (per 200 drafts) |
Variable |
| Research Services (per hour) |
$10.00 |
| Legal Process Tax Levies, Garnishments, etc. |
$10.00 |
| Inactive Account Fee (per month) |
◊$5.00 |
| Traveler's Cheques for single signature (per $100) |
$1.00 |
| Traveler's Cheques for two signature (per $100) |
$1.75 |
| American Express Gift Cheques (per $100) |
$2.25 |
| ACH Authorization Revocation |
$15.00 |
| Photo Copies (per page) |
$1.00 |
| Stop Payment of Official Check |
$15.00 |
| Verifications of Deposit |
$10.00 |
| Fax Services (first page) |
$3.00 |
| Fax Services (additional pages) |
$1.50 |
| Business Checking Accounts (monthly service charge) |
•$2.50 |
| Escheatment Fee |
$25.00 |
ATM & Visa Check Services ♣
| ATM Monthly Fee (first 6 transactions) |
No Charge |
| ATM Monthly Fee (7 or more transactions) |
$.50 each |
| PIN Reminder |
$1.00 |
| Card Reissue |
$3.00 |
| Overdraft Item (per item) |
$28.00 |
| Point of Sale Transactions |
No Charge |
| Copy of Merchant Draft |
$8.00 |
| Account Closure Lost Card Fee |
$10.00 |
Visa Card Services
| Annual Fee |
No Charge |
| Cash Advance |
No Charge |
| Late Payment |
$15.00 |
| Overlimit Fee |
$15.00 |
| Returned Payment Check |
$28.00 |
| Copy of Visa Statement (first page) |
$2.00 |
| Copy of Visa Statement (additional pages) |
$1.00 |
| Copy of Merchant Draft |
$8.00 |
| Card Reissue |
$3.00 |
Loan Accounts
| Application Fee |
No Charge |
| Prepayment Penalty |
+No Charge |
| Late Payment |
$15.00 |
| Cash Reserve Advance Fee |
No Charge |
♦ Automatic debits are not allowed from savings accounts.
* Member must officially stop payment with the company that is initiating the debit to the member's account.
◊ Accounts are inactive after a one (1) year period without financial transactions originated by account holder(s)
• No charge if account maintains a minimum balance of $100.00.
♣ Transactions are counted by main share account. If a member has more than one checking account associated with a main share the initial six transactions are counted between both checking accounts.
+ Late payment fee is assessed if payment is received 11 or more days past due date.
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