Fees Schedule

This Fees Schedule is effective April 2nd, 2013.
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 $ 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
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 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 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) - 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 $35.00
Western Union - Outgoing - International $500.01 - $1,000 $40.00
Western Union - Outgoing - International $1,000.01 - $2,000 $45.00
Western Union - Outgoing - International $2,000.01 - $5,000 $ 50.00
Western Union - Outgoing - International to Mexico $5,000.01 + $ 65.00
Wire Transfer - Mid-States CFCU - C.U. to C.U. Funds Transfer $ 10.00
Wire Transfer - Outgoing - Domestic $ 20.00
Wire Transfer - Outgoing - International $ 50.00
MEMBER REQUESTED MISCELLANEOUS SERVICES
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 (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 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) $ 24.00
Home Banking Bill Pay Stop Payment (per item) $ 24.00

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
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 Packages may offer Fee Discounts