Service	Schedule	Fee
Returned items (Uncollectible funds) (Checks drawn on other institutions)	First party - per item	$20.00
	Second party - per item	$20.00
Collection item (Checks, etc. sent for collection)	National - per item	$15.00
	International - per item	$20.00
Overdraw by draft or ACH/EFT Debit	When transaction hits	$25.00
	Returned check	$10.00
Stop payment on draft or ACH/EFT or checks drawn on AB&W Credit Union	Activation - per item	$10.00
	Each time item is presented	$5.00
Copy of share draft (Check)	Per item	$2.00
Premature withdrawals of Xmas Club Account	Each withdrawal	$20.00
Overdraft/ATM/ACH transfer from Savings	Each transfer	$1.00
Copy of statement	Per page	$2.00
Computer print-out of account history	Per page	$1.00
Loan re-application fee (Refundable with loan approval)	Each	$15.00
Telephone inquiry on account balances, etc.*	Each	$5.00
Credit Bureau Report for loan processing	In file - each	$15.00
	Update - each	$30.00
Certified checks and second party checks drawn on AB&W Credit Union	Each	$6.00
Money Orders	Each	$1.25
Attachments (Tax Levy, Garnishments, etc.)	Each	$30.00
Wire transfers	Domestic - each	$15.00
	International - each	$30.00
Account research going back more than 90 days	Per hour	$15.00
Notary service	Members	Free
	Non-members - each document	$5.00
Reconciling Share Draft register	Per hour	$15.00
Mail returned for bad address	Per item	$5.00
Dormant Account aggregate balances below $250.00 with no activity	Members	$5.00
Paper Statement [No charge age 18 & under - age 65 or older]	Members	$5.00
ATM "Fast Cash" Debit Card Fees**
Transactions/Inquiries	Each	$0.75
Point-of-sale Purchases	Each	Free
Duplicate or replace lost or stolen card	Each	$5.00
Change PIN	Each	$1.00
Overdrawn account with ATM card	Each	$35.00
*To avoid fees, use "Fasttrack" or "NetBranch" for inquiries on your account and to transfer money in between your account. **When you use an ATM not owned by us, you may be charged a fee by the ATM operator and any network used and you may be charged a fee for a balance inquiry even if you do not complete a transaction.

OTHER FEES AND CHARGES INFORMATION   One share of $50.00 must be maintained in member's Regular Share Account at all times to remain an active member of the Credit Union. There will be a $1.00 charge for each time a transfer is made to a Share Draft (Checking) Account from any other account when the purpose is to cover an overdraft. When an item is deposited to your account and is returned for any reason, there will be a $20.00 charge. When mail is returned because you did not notify the credit union of a change in your address there will be a $5.00 charge. If there are insufficient funds in the Share Draft(Checking) account and a draft(check) is attempting to clear the account there will be a $25.00 charge.  An additional $10.00 charge will be made when/if the draft (check) is returned resulting in a total charge of $35.00. Christmas Club Accounts are available for the purpose of saving for the expense of Christmas and will automatically be transferred to your Share Account on November 1st of each calendar year. A $20.00 charge will be made for each withdrawal other than the automatic transfer on November 1st. A substantial penalty is imposed if Share Certificate funds other than dividends are withdrawn before the maturity date.  The penalty is the amount of dividends since the date of issuance or renewal, or 90 days dividend, whichever is the lesser amount. Share Certificates will automatically renew on the date of maturity unless you advise otherwise.  There is no grace period after your certificate has renewed to make withdrawals without penalty. Negative Balance for 5 consecutive business days; you will receive additional one-time Extended Overdrawn Balance Charge on the sixth day. This fee is in addition to any applicable fees for overdraft items, insufficient funds and returned items. Membership fees: New membership____________________________$1.00 Second Time_______________________________$10.00 Third Time_________________________________$15.00 After Third Time each increases by_______________$5.00 Close new membership account prior to 90 days____$20.00

•      •       •       •       •       •      •