Fee Schedule

This Fee Schedule is effective 09/10/2025
Unless otherwise indicated, the following Service Fees may be charged for each item.

Checking Accounts
AMPED Checking - less than 20 debit card transactions monthly - Monthly fee	$5.00
Share Draft Plus Checking - Balance under $500 - Monthly Fee	$5.00

Member Requested Checking Services
Withdrawal Fee - At Non-LLCU ATM (First 6 per month - FREE)	$1.00
Point of Sale (Purchase) transactions (First 6 per month - FREE)	$1.00
Collection Item	$5.00
Corporate Check	$3.00
Foreign Currency Conversion Fee - Charged at our Cost	Varies
Foreign Item - Drawn on Non-US Bank / Credit Union	$4.00
*Non-Sufficient Funds (NSF) fee is charged per item attempting to withdraw from your account such as checks, in person withdrawal, ATM transactions, Automatic payments (ACH transactions), items paid through Bill Pay, and use of your debit card at point of sale and the funds are not available.	$35.00
*Overdraft Fee (charged per item for overdrafts created by check, in person withdrawal, ATM withdrawal or any other electronic means; even if there were insufficient funds to cover it)	$32.00
*A maximum of $140 will be charged daily for all NSF and Overdraft fees.
NSF Fee - Checks/Share Drafts - Unpaid Deposit/Payment where Member is not Maker	$10.00
Overdrawn Share Account	$35.00
Overdraft Fee - Debit Card Point of Sale Pricing Details - Tiered pricing based on the amount covered by the premium overdraft.	Fees
$0.00 to $.99	$0.00
$1.00 to $4.99	$10.00
$5.00 to $9.99	$15.00
$10.00 to $19.99	$25.00
$20 and above	$32.00
Overdraft Transfer Fee from Savings Account (First 6 Per Month-FREE)	$3.00
Visa Debit card replacement fee (lost)	$10.00
When using an ATM not owned by LLCU, a fee may be charged by the ATM operator or by any network used to complete the transaction or inquiry.

Account Service Fees
Account Balancing/ACH Research - (Per Hour)	$20.00
Account Maintenance Fee - Closure Within 90-Days of Opening	$24.00
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 Deposit/Payment/Check or Item (Rush - $5.00 Extra)	$1.00
Copy of Statement or Interim Statement - Per Page	$1.00
Dormant/Inactive Fee (Under $200 and No Activity in Past 90-Days) - Quarterly Fee	$5.00
Legal Orders - Garnishment, Attachment, Levy, Summons, etc.	$35.00
Wire Transfer - Incoming	$5.00
Wire Transfer - Outgoing - Domestic to Bank	$25.00
Wire Transfer - Outgoing - International	$50.00

Lincoln Line Audio Teller and PC Home Banking Fees
Online Banking Transfer Now Next Day - Incoming	$2.50
Online Banking Transfer Now Next Day - Outgoing	$2.50
Bill Pay payment Rush - by mail	$14.95
Bill Pay payment Rush - electronic	$9.95

Miscellaneous Fees
Loan Skip -A-Pay fee	$25.00
Loan payments via VISA cash advance
$1.00 to $300.99	$6.00
$301.00 to $600.99	$12.00
$601.00 to $1,000.00	$20.00
Returned mail - monthly	$3.00
VISA cash advance - non-member $5,000 maximum	FREE
VISA gift card fee for members	$3.00
VISA gift card fee for non-members	$6.00
VISA credit card replacement fee (lost)	$10.00

Safe Deposit Box Fees
Rental Fees are charged annually
Colchester Safe Deposit Boxes
5 x 2 3/4	$25.00
5 1/4 x 4 3/4	$30.00
11 x 2 3/4	$45.00
11 x 4 3/4	$70.00
Effingham Safe Deposit Boxes
3x10	$20.00
5x10	$30.00
10x10	$45.00
Decatur Oakland Safe Deposit Boxes
3x5	$15.00
5x5	$20.00
3x10	$25.00
5x10	$35.00
10x10	$65.00
Decatur Prosperity Safe Deposit Boxes
3x10	$25.00
5x10	$35.00
10x10	$65.00
Decatur Prosperity Convenience Boxes
3x5	$10.00
5x5	$15.00
3x10	$20.00
6x10	$40.00
9x10	$65.00
Mattoon Safe Deposit Boxes
5x5	$15.00
3x10	$20.00
5x10	$30.00
10x10	$45.00
Nokomis Safe Deposit Boxes
5x5	$15.00
3x10	$25.00
6x10	$40.00
9x10	$65.00
Springfield Safe Deposit Boxes
5x5	$20.00
3x10	$25.00
10x10	$65.00
Lost Key Fee- Determined by Engaged Locksmith	Varies
Box Drilling Fee - Determined by Engaged Locksmith	Varies