Fees Schedule

This Fees Schedule is effective February 1st, 2016.

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 Fees

Basic Checking - Monthly Fee

FREE

Horizon Club Checking & Service Package - Monthly Dues

$ 6.00

Premier Advantage Checking & Service Package (Age 50+ or Retired)

FREE

Share Draft Plus Checking - Balance $500.00 and Up - Monthly Fee

FREE

Share Draft Plus Checking - Balance Under $500.00 - Monthly Fee

$ 5.00

Dormant Fee (Qtrly) - No Activity in Past 90 Days & Balance < $200.00

$ 5.00

Member Requested Checking Fees

Stop Payment Order on Checks & ACH

$ 24.00

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

Debit Card/ATM Card Fees

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 Transactions (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

Customized Check/ATM Card (1st Customized Card is FREE | Fee for Each Additional)

$ 5.00

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 $500.00 Payable to 3rd Party

$ 3.00

Foreign Currency Conversion Fee - Charged at our Cost

Varies

Foreign Item - Drawn on Non-U.S. Bank/Credit Union

$ 4.00

NSFs/Overdrafts - Each, Without Limitations

$ 24.00

Overdrawn Share Accounts

$ 24.00

Returned Items (Unpaid Deposit/Payment - Member is Maker)

$ 24.00

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 $200.00) - 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 $0.00 - $500.00

$35.00

Western Union - Outgoing - International $500.01 - $1,000.00

$40.00

Western Union - Outgoing - International $1,000.01 - $2,000.00

$45.00

Western Union - Outgoing - International $2,000.01 - $5,000.00

$ 50.00

Western Union - Outgoing - International to Mexico $5,000.01 +

$ 65.00

Wire Transfer - CU to CU Funds Transfer

$ 10.00

Wire Transfer - Outgoing - Domestic

$ 20.00

Wire Transfer - Outgoing - International

$ 50.00

Member Requested Miscellaneous Fees

Fax Service - Local Call - 1st 3 Pgs = $1.00, then $0.50/Page

Varies

Fax Service - Long Distance - 1st 3 Pgs. = $2.00, then $0.50/Page

Varies

Fax Service - Receive Fax - Per page

$ 1.00

Non Loan Title Work with CU Relationship < $5000.00 (Excluding Checking)

$ 5.00

Photo Copies - Per Page *

$ 0.10

Postage Stamps - Courtesy Service at our Cost

COST

Originate ACH Credit (Outgoing)

$ 2.00

Lincoln Line and Home Banking Fees

Home Banking Bill Pay (HBBP) Service

FREE

Lincoln Line Audio Teller

FREE

Home Banking Bill Pay NSF Items (Per Item)

$ 24.00

Home Banking Bill Pay Stop Payment (Per Item)

$ 24.00

Safe Deposit Boxes

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

MATTOON OFFICE

 

5 X 5 Annual Rental Fee

$15.00

3 X 10 Annual Rental Fee

$20.00

5 X10 Annual Rental Fee

$30.00

10 X 10 Annual Rental Fee

$45.00

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 May Offer Fee Discounts