Five Star Credit Union

Fee Schedule

Five Star Credit Union does its best to help members avoid fees. Please ask us for advice on doing so at any time. Fees generally reflect FSCU’s actual costs and losses that we incur when members intentionally or accidentally use these services.


Checking Accounts

Return Check/Overdraft Charges (per item) $35.00
Check & ACH Stop Payments (per item) $25.00
Overdraft Protection - Regular Savings Transfer (per item) * $5.50
Overdraft Protection - Loan Advance Transfer (per item) * $5.50
Check Copy (per check) $3.00

*Must be set up/arranged in advance through your branch or through members services to avoid a regular higher overdraft fee.


Automated Account Services

On-Line Account Access (to view accounts, make transfers, etc., using your computer) No Charge
On-Line Bill Payer (to pay bills using your computer)
Monthly Service Charge
No Charge
Automated Account Services - Automated Phone Access
(to make transfers, accessing accounts, etc., using the telephone)
First 10 calls per month
No Charge
Per call charge in excess of 10 per month $1.00


ATM Services (Debit/Check Card)

Fee (per withdrawal or transfer for foreign transactions - i.e.on non-FSCU ATMs) $1.50
Fee (per balance inquiry for foreign transactions) $1.00
PIN Replacement via mail $5.00
Card Replacement & re-activation fee $10.00


Savings, Money Market and IRA Accounts

Regular Savings Account (closing within 90 days) $25.00
Excessive Withdrawals (after the 4th withdrawal per quarter) (per withdrawal) $5.50
Christmas Club (early withdrawal fee) (per early withdrawal) $25.00
Premier Growth Money Market Checking Account:
Minimum Withdrawal Fee (under $250.00) - per each such withdrawal
$5.50
Over 3 checks per month (per check) on Money Market
Also, all checking account fees stated above apply on Money Market Checking.
$5.50

 

 
Additional Services

Official CU Check Withdrawals - first check (per day)  No Charge
Additional CU Check Withdrawals per day  (per check)  $3.00
Money Orders $3.00 per check
Cashing check on inactive accounts 3% of check amount
Wire Transfers - Outgoing (per wire) $25.00
International Wire Transfers - Outgoing (per wire) $50.00
Account Histories (phone or printout) $3.00
Member Account Research & Statement Reconciliation
1 hour minimum (per day)
$25.00
Statement copy (per page) $1.00
Fax Transmitting (per page) $1.00
Photocopies (per page) $0.25
Safe Deposit Boxes - available in Bainbridge, Camilla, Cedar Springs, Altama Ave (Brunswick) and St Simons Island (GA) and N. Foster (Dothan) and Cottonwood, (AL)  branches:
3 x 5
5 x 5
3 x 10
5 x 10
10 x 10

$20.00
$25.00
$30.00
$40.00
$70.00
Re-Keying Safe Deposit Lock (must have key) $10.00
Lock Destruction/Drilling (loss of both keys)
Plus cost of lock replacement per vendor cost.
$50.00

 


Other Charges

Returned Items (Cash or Credit) (per item) $30.00
Collection Items - Incoming/Outgoing (per item) $25.00
Gift Cards (each) $ 2.95
Dormant Account Service Charge (monthly) (1) $ 5.00
Garnishment/Levy $35.00
Address Correction Furnished By U.S. Postmaster or Bad Address/Returned Mail (each) $ 5.00
Non-member loan application (returned if membership and loan is approved) $35.00

 NOTICE:

  1. Dormant Account Service Charge - Members with savings (share) accounts only or Checking and Savings accounts only with individual balances of less than $2,500.00 and with no activity on any of those accounts for 6 months will be considered as Dormant Accounts and a Dormant Account Service Charge (monthly) will apply to each dormant account. (See above schedule for charge amount.). Rising Star (youth) accounts for members age 18 or less are excluded from this fee. The minimum balance and dormant account service charge also does affect active account (an account that as at least 1 non-dividend transaction over 6 months). It also does not affect accounts that include an active Loan, a funded Money Market, IRA, a Certificate Account or an active FSCU credit card.

  2. IRS imposes a penalty of $50.00 on all dividend recipients who report under an incorrect name or social security number (Name and number must agree with the Social Security Administration records). Providing your social security card at the time the account is opened should eliminate the possibility of a penalty.


IMPORTANT INFORMATION ABOUT YOUR ACCOUNT
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

America's Credit Unions TM  |  Equal Housing Opportunity  |  NCUA - Federally Insured by NCUA