| This Fee Schedule is effective October 1, 2008 |
| Unless otherwise indicated, the following Service Fees may be charged for each item |
| When you use an ATM not owned by us, you may be charged a fee by the ATM operator or by any network used to complete the transaction or inquiry |
| CHECKING ACCOUNTS |
| Basic Checking - Monthly Fee |
FREE |
| Horizon Club Checking & Service Package - Monthly Dues |
$ 6.00 |
| Premier Advantage Checking & Service Package (Age 50/Retired) |
FREE |
| Share Draft Plus Checking - Balance $500 and Up - Monthly Fee |
FREE |
| Share Draft Plus Checking - Balance Under $500 - Monthly Fee |
$ 5.00 |
| Dormant Fee (Qtrly) - No activity in past 90 days & balance < $200 |
$ 5.00 |
| MEMBER REQUESTED CHECKING SERVICES |
| Stop Payment Order on checks & ACH - Effective May 1st, 2007 |
$ 22.00 |
| Check Images Mailed - Per Month |
$5.00 |
| Check Printing - Varies with Style and Quantity of Checks Ordered * |
Varies |
| Copy of Check |
$ 3.00 |
| Temporary Checks - Pack of 8 Checks |
$ 3.00 |
| CHECK CARD/ATM CARD |
| ATM Photo Verification Fee - (Free if in conjunction with a dispute) |
COST |
| ATM Transaction Fee - At LLCU ATM |
FREE |
| ATM Withdrawal Fee at Non-LLCU ATM (First 6 per Month - FREE) |
$ 1.00 |
| Point of Sale transaction (First 6 per month - FREE) |
$ 1.00 |
| Card Recovery Fee |
$ 65.00 |
| Card Replacement Charge |
$ 10.00 |
| Documentation Fee - (Free if in conjunction with a dispute) |
$ 15.00 |
| Rush Order - Card Order or New PIN Number |
$ 15.00 |
| TRANSACTION FEES - ALL ACCOUNTS |
| Automatic Transfer Savings to Checking (Maximum of 6 per Month) |
$ 3.00 |
| Check Cashing - 3% of the check (single service members only) |
Varies |
| Collection Item |
$ 5.00 |
| Corporate Checks under $500 payable to 3rd party |
$ 3.00 |
| Foreign Currency Conversion Fee - Charged at our Cost |
COST |
| Foreign Item - Drawn on Non-U.S. Bank/Credit Union |
$ 4.00 |
| NSFs/Overdrafts - Each, Without Limitations |
$ 22.00 |
| Overdrawn Share Accounts |
$ 22.00 |
| Returned Items (Unpaid Deposit/Payment - Member is Maker) |
$ 22.00 |
| Returned Items (Unpaid Deposit/Payment - Member is not Maker) |
$ 10.00 |
| Account Transfers (Small Amounts - less than $ 50.00 per Transfer) |
$ 3.00 |
| Withdrawal Fee - Share Savings Account (First 6 Per Month - FREE) |
$ 3.00 |
| Withdrawal Fee - Christmas Savings - (First 1 Per Quarter - FREE) |
$ 3.00 |
| Withdrawal Fee - Vacation Savings - (First 2 Per Quarter - FREE) |
$ 3.00 |
| ACCOUNT SERVICE FEES |
| Account Balancing Assistance - (First Half Hour) |
$ 10.00 |
| Account Balancing Assistance - (Per Hour After First Half Hour) |
$ 10.00 |
| Account Maintenance Fee - Closure Within 90 Days of Opening |
$ 25.00 |
| Account Maintenance Fee - Re-Opening Within 90 Days of Closure |
$ 25.00 |
| IRA Account Maintenance Fee - Closure Within One Year of Opening |
$ 50.00 |
| HSA Account Maintenance Fee - Closure Within One Year of Opening |
$ 50.00 |
| Copy of Check - Corporate Check (Rush - $ 5.00 Extra) |
$ 3.00 |
| Copy of Check - Personal/Business Checking (Rush - $ 5.00 Extra) |
$ 3.00 |
| Copy of Check - Member access from Home Banking |
FREE |
| Copy of Deposit/Payment/Check or Item (Rush - $ 5.00 Extra) |
$ 1.00 |
| Copy of Statement or Interim Statement - Per Page |
$ 1.00 |
| Copy of Statement via E-statements on Home Banking |
FREE |
| Dormant/Inactive Fee (Under $200) - Quarterly |
$ 5.00 |
| Legal Orders - Garnishment, Attachment, Levy, Summons, Etc. |
$ 35.00 |
| No Address Fee - Per Quarter |
$ 5.00 |
| Mail returned with no address or incorrect address |
$ 0.50 |
| Mail returned with no address or incorrect address - Then Remailed |
$ 1.00 |
| Western Union - Outgoing - Domestic |
$ 25.00 |
| Western Union - Outgoing - International |
$ 50.00 |
| Western Union - Outgoing - International to Mexico $ 0.00 - $500 |
$25.00 |
| Western Union - Outgoing - International to Mexico $ 500.01 - $1,000 |
$30.00 |
| Western Union - Outgoing - International to Mexico $1,000.01 - $2,000 |
$35.00 |
| Western Union - Outgoing - International to Mexico $2,000.01 - $5,000 |
$ 40.00 |
| Wire Transfer - Mid-States CFCU - C.U. to C.U. Funds Transfer |
$ 10.00 |
| Wire Transfer - Outgoing - Domestic |
$ 15.00 |
| Wire Transfer - Outgoing - International |
$ 50.00 |
| MEMBER REQUESTED MISCELLANEOUS SERVICES |
| Fax Service - Local Call - 1st 3 Pgs = $1.00, then $.50/Page |
Varies |
| Fax Service - Long Distance - 1st 3 Pgs. = $2.00, then $.50/Page |
Varies |
| Fax Service - Receive Fax - Per page |
$ 1.00 |
| Non Loan title work with CU relationship < $5000 (excluding checking) |
$ 5.00 |
| Money Orders * |
$ 2.00 |
| Photo Copies - Per Page * |
$ 0.10 |
| Postage Stamps - Courtesy Service at our Cost |
COST |
| Traveler's Checks - Per $100.00 * |
$ 1.00 |
| Traveler's Checks For Two - Per $100.00 |
$ 1.50 |
| Originate ACH Credit (Outgoing) |
$ 2.00 |
|
LINCOLN-LINE AUDIO TELLER & LINCOLN ON-LINE PC HOME BANKING
|
|
Home Banking Bill Pay (HBBP) Service
|
FREE |
| Lincoln Line Audio Teller |
FREE |
| Home Banking Bill Pay NSF Items (per item) |
$ 22.00 |
| Home Banking Bill Pay Stop Payment (per item) |
$ 22.00 |
|
SAFE DEPOSIT BOX FEES
|
| EFFINGHAM OFFICE |
|
| 3 X 10 Annual Rental Fee |
$ 20.00 |
| 5 X 10 Annual Rental Fee |
$ 30.00 |
| 10 X 10 Annual Rental Fee |
$ 45.00 |
| DECATUR / OAKLAND AVE OFFICE ONLY |
|
| 3 X 5 Annual Rental Fee |
$ 15.00 |
| 5 X 5 Annual Rental Fee |
$ 20.00 |
| 3 X 10 Annual Rental Fee |
$ 25.00 |
| 5 X 10 Annual Rental Fee |
$ 35.00 |
| 10 X 10 Annual Rental Fee |
$ 65.00 |
| Lost Key Fee |
Cost |
| Box Drilling Fee |
Cost |
|
MISCELLANEOUS LOAN FEES
|
| Mortgage loan fee |
$350.00 |
| Refinance a non-mortgage loan to a lower rate |
$50.00 |
| Refinance a mortgage loan to a lower rate |
$100.00 |
| Visa Gift Card fee for members |
$ 3.00 |
| Visa Gift Card fee for non-members |
$ 6.00 |
| Skip-A-Pay fee |
$ 25.00 |
| * Special Relationship Pricing Packages may offer Fee Discounts |
