Account Disclosures & Fees

Revised 9/2013

Account Services Bill Pay Service
Value Business Checking Enhanced Business Checking
Business Money Market Business Credit Cards
Business Visa Debit Card Funds Transfer
Other

Account Services

Item Fee
ATM card replacement $5.00
Blank check (each) $1.00
Check printing - Standard design, 150 checks: $15.00
- Business style checks available at a higher cost
Closing account (within 90 days of opening) $20.00
Copy of statement (per item over 25) $4.00
Copy of a deposited or paid check (per item over 25) $4.00
CU Official Check, payable to 3rd party $7.00
Dormant account per month / $5.00
Empty ATM envelope deposit $30.00
Guaranteed check $5.00
Inactive account $5.00
Item sent for collection CU Cost + $15.00
Legal processing (including, but not limited to child support, court restraints, tax levies) per item / $90.00
Legal / photocopying per item / $1.00
Legal research per hour / $30.00
Money order $4.00
Network ATM transaction ( each occurrence over 8 per month) $2.00
Non-sufficient funds (NSF) - Returned item (checks, ACH, etc): $35.00
- Deposited / cashed check: $12.00 – Uncollected funds: $35.00
Printout of account activity $2.00
Protest HVFCU check $10.00
Protest non-HVFCU check CU cost
Remote Deposit Capture - Up to 150 items: per month / $15.00
- 151 – 300 items: per month / $30.00
- Unlimited: per month / $45.00
Research or checking account balancing per hour / $20.00
Returned mail item $2.00
Stop payment on check or ACH $35.00

Bill Pay Service

Item Fee
Monthly service – Value Business Checking, unlimited transactions $5.95
Non-sufficient funds (NSF) ACH debit $60.00
Non-sufficient funds (NSF) laser draft $35.00
Overnight payment $20.00
PopMoney Non-sufficient funds (NSF) ACH debit $60.00
Stop payment $60.00

Value Business Checking

Item Fee
Low balance / below $2,500 per month / $5.00
Per check transaction fee over 250 per month per item / $0.15

Enhanced Business Checking

Item Fee
Low balance / below $10,000 per month / $30.00
Per check transaction fee / over 500 items per month per item / $0.20

Business Money Market

Item Fee
Low balance / below $1,000 per month / $10.00

Business Credit Card Services

Item Fee
Card replacement $5.00
Cash advance 2% of advance amount
Copy of statement (per item over 25) $4.00
International transactions exchange rate + 1% of transaction
Late payment Visa Platinum: $35.00
Photocopy of purchase receipt $2.00

Business Visa Debit Card Services

Item Fee
International transactions exchange rate + 1% of transaction
Stop payment on Visa Check Card debit $30.00
Card replacement $5.00

Funds Transfers

Item Fee
Western Union CMO wire transfer - Domestic: CU Cost
- International up to $500: CU cost + $10.00
- International $500.01+: CU cost + 2% of principal
Wire transfer to another financial institution - Domestic: $18.00
- International: $35.00
Wire transfer from another financial institution $5.00

Other

Item Fee
Expedited delivery - FedEx or UPS – delivery by 10:30 am or 3 pm next day: CU cost
- US Postal Service Express Mail – delivery schedule based on zip code: CU cost
Night deposit bags (per 100 count) $32.00

© 2014 Hudson Valley Federal Credit Union

159 Barnegat Rd. Poughkeepsie, NY 12601
ph: 845.463.3011 / 800.468.3011

Routing Number : 221979363