Account Disclosures & Fees

Revised 5/2015

Account Services Bill Pay
Visa Credit Cards Visa Debit Cards
Visa Gift Cards Funds Transfers
Other

Account Services

Item Fee
ATM card replacement $5.00
Blank checks (per item over 4) $1.00
Bond coupon redemption CU cost + $10.00
Check cashing - Set up: one-time / 1.00
- Government and printed payroll: 1.5% of amount
- All other checks: 2.15% of amount
Check printing - Checking, standard design, 150 checks (custom checks available at a higher cost) – $18.00
- HSA, standard design, 25 checks: CU cost
Closing accounts within 90 days of opening $20.00
Copy of statement (per item over 25 per year) $4.00
Copy of deposited or paid check (per item over 25 per year) $4.00
Computer printout of account activity $2.00
CU Official Check, payable to 3rd party $7.00
Dormant account monthly / $5.00
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 market account, monthly fee if daily balance falls below $1,000 $10.00
Network ATM transaction (each occurrence over 8 per month) $2.00
Overdrawn account (debit card) $30.00
Privilege Pay item $30.00
Protest HVFCU check $10.00
Protest non-HVFCU check CU Cost
Research or checking account balancing per hour / $20.00
Returned item - ACH / check (drawn off HVFCU): $30.00
- ACH origination: $30.00
- Deposited / cashed check: $12.00
Returned mail item $2.00
Satisfaction of lien (replacement copy) $5.00
Stop payment on a check or ACH debit $30.00

Bill Pay Service

Item Fee
Non-sufficient funds (NSF) ACH debit $55.00
Non-sufficient funds (NSF) laser drafts $30.00
Overnight payment $20.00
Stop payment $55.00

Credit Card Services

Item Fee
Cash advance 2% of advance amount
Card replacement $5.00
Copy of statement (per item over 25) $4.00
International transactions exchange rate + 1% of transaction
Late payment up to $29.00
Photocopy of purchase receipt $2.00
Returned convenience check (NSF) $30.00

Debit Card Services

Item Fee
Card replacement $5.00
International transactions exchange rate + 1% of transaction

Visa Gift Card Services

Item Fee
Card purchase $4.00
Inactive card $2.99

Funds Transfer

Item Fee
Western Union Quick Cash - 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
IRA transfer to another financial institution $20.00
Money Order $4.00
Traveler’s checks per $100 / $1.00

© 2015 Hudson Valley Federal Credit Union

PO Box 1071, Poughkeepsie, NY 12602-1071
ph: 845.463.3011 / 800.468.3011

Routing Number : 221979363
HVFCU Prepaid Visa Routing Number: click here


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