FEE SCHEDULE

Current Fees as of 3/30/16

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Savings Account Fees

Savings Account Withdrawal $1.00 each after four (4) per month
Reg D Excessive Withdrawal $2.00 each after six (6) per month
IRA Account Administration Fee $10.00 per year
IRA Account Transfer $25.00 per transfer if directly transferred outside Credit Union
IRA Close Fee $25.00
Money Market Minimum Balance $5.00 per month if the balance falls below $1000.00 during the statement period
Money Market Excessive Clearing Three (3) free checks. $5.00 a check after that.
Money Market Excessive Transfer $5.00 per transfer after six (6) transfers per month
Money Market Withdrawal $5.00 per withdrawal after four (4) withdrawals per month. Not including drafts.

Share Draft/Checking Account Fees

Overdraft/Insufficient (NSF) $25.00 per item
Deposited Item Return $5.00 per item
Stop Payment $25.00 per item
Check Printing Prices may vary depending upon style
Free Checking No Fees
Standard Checking (old) Free with $300 minimum balance. $3.00 per month if balance falls below $300
Standard Checking (new) $3.00 per month
Dividend Checking Free with $500 minimum balance. $5.00 per month if balance falls below $500
Business Checking No monthly service charge. $0.20 per item over 100 item monthly limit.
Business Checking Plus $5.00 monthly service charge. $0.20 per item over 200 item monthly limit.
DBA Checking No monthly service charge. $0.20 per item over 100 item monthly limit.
DBA Checking Plus $5.00 monthly service charge. $0.20 per item over 200 item monthly limit.
Club/Association Checking Free with $300 minimum balance. $3.00 per month if balance falls below $300
Overdraft Transfer Fee $5.00 per transfer / Max of 6 transfers per month
No Bounce Coverage Fee $25.00 per item
ACH Origination Fee $10.00
Copies of Checks $3.00 each copy
Temporary Checks $1.50 per sheet (4 checks per sheet)

Other Service Fees (Applicable to All Accounts)

Account Reconciliation $20.00 per hour
Account Research $20.00 per hour
Statement Copy $3.00 month
Account Verification Letter $3.00 per letter
Wire Transfer (outgoing) $15.00 per transfer
Wire Transfer (incoming) $5.00 per transfer
Wire Transfer (International) Fees may vary
Corporate Check $2.00 per check
MasterCard Gift Card $3.00 per card
MasterCard Reloadable Card $6.00 per card
Reloadable Card Reload $3.00 per reload
Legal Process Fee (Garnishment. etc.) $40.00
Account Closure $1.00 if closed by mail
Account Closure within 60 days $10.00
Returned Mail Fee (Bad Address) $3.00 per month
Amortization Schedule $3.00 each
Certified Copy of Lien Release $5.00 each
Inactive Account Fee $5.00 per month will be assessed to account numbers with balances less than $500 with no activity for twelve (12) months and there is no other active relationship within the account number
Domestic Collection Fee $10.00 each
Collection Item Fee (Canada and Mexico) $10.00 each
Collection Item Fee (Foreign Collection) $35.00 each
Cash Bag $6.00 per bag
Coin Counting Free for members
Notary Service Free for members
Processing Fee for Funded Consumer Loans $47.00

Electronic Funds Transfer Fees (ATM)

Nonproprietary ATM Withdrawal/Transfer $1.00 per transaction
Nonproprietary ATM Balance Inquiry $0.75 per inquiry
Additional Card $5.00 each card
ATM/Debit Card Rush $25.00 per card
Replacement of Lost ATM/Debit Card $5.00 per card
Replacement of Faulty ATM/Debit Card $5.00 per card
International Service Assessment Fee (ISA) 2% of the international Visa transaction

Safe Deposit Box Fees

Annual Rental Size Fee
3x5x24 $18.00
3x10x24 $35.00
5x10x24 $50.00
10x10x24 $88.00
Copy of Key $10.00
Drilling of Box/Change of Lock $150.00 minimum

MasterCard Fees

Grace Period 25 days to repay your balance before a finance charge will be imposed
Annual Fee None
Balance Transfer 3.00% of balance transfer ($10 min. $200 max)
Cash Advance (at ATM) None
Cash Advance (in office) None
Minimum Finance Charge None
Dynamic Fee Charge 2.00% of each transaction in U.S. dollars
Late Payment $15.00
Over-the-Credit Limit None
Return Payment $21.00
Return Check $21.00
Replacement Card $5.00
Method of computing the balance of purchases Average daily balances (including new purchases)

The information about the costs of the card described in this credit card fee table is accurate as of October 2014. This information may have changed after that date. To find out what may have changed please call us at 405.743.3328 or write to us at 311 E. McElroy Rd. Stillwater, OK 74075

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