Chaco’s Philosophy On Fees



YS Federal Credit Union -- Schedule of Fees and Charges As Of May 1, 2012

Philosophy On Fees – YS Federal Credit Union, as a non-profit financial institution, is dedicated to providing financial services at the lowest possible costs to members. In general, the credit union only charges fees when they are necessary for the credit union to afford offering a particular service to members. In other limited cases, fees are charged to encourage members to use their credit union accounts properly. When these fees are charged, they are intended to discourage the misuse of credit union accounts and encourage members to use the services offered by YSCU. Members having questions are encouraged to contact the credit union at (937) 767-7377.

General Account Fees

Check Cashing( If Acct. Balance is under

$100 for prior month and no other services)……..$ 5.00

Stop Payment Order (Per check / series) $30.00

NSF Check (Per Check) $35.00

ODP (over draft protection) Fee (per item)…..… $35.00

Account Research Fee (Per Hour)(min. 1hr) $35.00

Photocopy of Check (Per Check) $5.00

On-Line Banking Check Image…….10 free per month then $1.00

Returned Deposit Item (Per Item) $35.00

Redeposit Returned Item………………………..$10.00

Check Printing VARIES

Small Business Checking…………………….….$ VARIES ( $20 - $50)

visa® Fees

Late Payment $30.00

Over Limit $30.00

Returned Payment $35.00

Redeposit Returned Item……………………… .$10.00

Debit/ATM Card Replacement $15.00*

Special Order Card Fee(overnight) $75.00

ATM /DEBIT CARD Fee Schedule

Transaction Fees -- Your transaction fees will depend upon the type of ATM machine used for the transaction. (Additional ATM Surcharges may be assessed by the institution owning the machine.)*

*Four free per month - after 4 ……..$1.00 per transaction (When using CU specified Machines)

Pin Driven Point of Sale ………………………$.15 When choosing debit instead of Credit

Other Fees--

Replacement YSCU Card Fee $15.00*

*(after 2 times in 12m $40)

Overdrawn ATM Fee $35.00

First Mortgage Loan Fees -- YSCU originates first mortgage loan applications. All fees and closing costs charged vary. For further information contact us at

(937) 767-7377.

Home Equity Loan Fees -- YSCU charges members for costs incurred in processing a home equity loan. These can include, but are not limited to, title examination and mortgage preparation fees, lien filing fees, and appraisal fees. Home equity loan fees vary according to the location of the property being used as collateral. YSCU may elect to waive all or a portion of these fees. For further information contact a personal account representative by calling (937) 767-7377.

Miscellaneous Fees

Returned Deposit Item on Loan Payment $35.00

Outgoing Wire Transfer of Funds $30.00

- International…………………………$30.00

- Incoming ………………………… $30.00

Statement copy/Paper Statement $5.00

Early Account Closing Fee $15.00

(If new membership is closed within the first 12 months)

IRA Annual Fee…………………………………$25.00

Money Orders $3.00

Stop Automated Clearing

House (ACH) Payments $30.00

Returned Automated Clearing

House (ACH) Payments $35.00

Transfer Fee $ 5.00**

Account Research Fee –Minimum 1 Hr

$35.00/per hour

Escheat Fee ……………………………..$35.00/per account

IRS Tax Levy Processing Fee……………$35.00

Dormant Account Fee $10.00

(Per quarter)

Check Withdrawal (after 3 free per month) $3.00

Lien Filing Fees (Cars, Boats, etc.) VARIES

(Vehicle lien filing fees vary by state)

Loan Application Fee ……………………….$15.00

Late Loan Payment 5% of Payment Due

(Charged when payment is greater than 10 days late. Min. of $30.00)

Re-Application Fee..............................................$75.00 (charged if a loan application is submitted within 60 days of last loan denial.)

Refinance Fee...................................................VARIES

Returned Mail Fee ……………………………$7.00

**If the member transfers by voice response or YSCUonline, there is no fee.

NOTE: ALL Fees are subject to change.

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