Schedule of Fees - Business

Effective Date

Bronze Share Draft Business Account

(Non-Profits and Informal Associations and Clubs)

Average Daily Balance (ADB)

$30.00

Monthly Service Fee (MSF)

No Charge

Overdraft Transfer Fee

$5.00

NSF Items Returned, Insufficient Funds

$30.00

Uncollected Funds

$30.00

Stop Payment Order (per check)

$25.00

Photocopy of Check

No Charge

Temporary Checks (limit of 6)

$1.00

Processing Fee (per item)
(Items include ACH Debits, Drafts, On-Us Drafts Disbursed)

No Charge

Silver Share Draft Business Accounts
(Lower Volume Activity)

Average Daily Balance (ADB)

$5,000.00

Monthly Service Fee (MSF)

$10.00*

Overdraft Transfer Fee

$5.00

NSF Items Returned, Insufficient Funds

$30.00

Uncollected Funds

$30.00

Stop Payment Order (per check)

$25.00

Photocopy of Check

No Charge

Temporary Checks (limit of 6)

$1.00

Processing Fee (per item)
(First 150 items per month are free. Items include ACH Debits, Drafts, On-Us Drafts Disbursed)

$0.20

Gold Share Draft Business Accounts
(Higher Volume Activity)

Average Daily Balance (ADB)

$10,000.00

Monthly Service Fee (MSF)

$15.00**

Overdraft Transfer Fee

$5.00

NSF Items Returned, Insufficient Funds

$30.00

Uncollected Funds

$30.00

Stop Payment Order (per check)

$25.00

Photocopy of Check

No Charge

Temporary Checks (limit of 6)

$1.00

Processing Fee (per item)
(First 250 items per month are free. Items include ACH Debits, Arafts, On-Us Drafts Disbursed)

$0.20

Business Lending

Line of Credit

Application Fee

$250.00

Annual Fee

$50.00

Term Loans (Truck, Equipment etc.)

Application Fee

$250.00

Annual Fee

$50.00

Real Estate Secured – First Mortgage

Application Fee

$1,000.00

Annual Fee

$100.00

Real Estate Secured – Equity LOC

Application Fee

$500.00

Annual Fee

$100.00

Fees Applicable to All Accounts

Single Account Relationship & Balance Below $25

$5.00 per month

Account Research (per hour)

$50.00

Account Research (per page)

$1.50

Return of Deposited/Cashed Item

• Member Owned

$30.00

• Third Party

***

• Mortgage or Loan Payment

$30.00

Copy of Statement

$20.00

Annual Dormant Account Fee

$50.00

Yearly Remittance to State after No Member

Generated Activity for 3 Years

Overdraft Fee on Electronic Debit

$30.00

Stop Payment on Electronic Debit

$25.00

NEACH Revocation

$25.00

Notice of Government Levy

$50.00

Trustee Attachment

$75.00

Loan Rate Modification

$100.00

Foreign Check Collection

$20.00

Subordination Agreements

Per Quote

stjeans@home / Bill Payment & Presentment

stjeans@home

No Charge

Bill Payment & Presentment

No Charge

Stop Payment

$25.00

Returned Item Fee

$30.00

Wire Transfers

Outgoing Domestic

$30.00

Outgoing Foreign

$75.00

Incoming Domestic

$10.00

Incoming Foreign

$25.00

Credit Union Checks / Money Orders

Treasurer’s Check

$5.00

Treasurer’s Check Replacement

$25.00

Stop Payment

$25.00

Money Order

$3.00

Copy of Money Order

$10.00

Copy of Treasurer’s Check

$10.00

ATM / Debit Card Transactions
All Transactions at a St. Jean’s Credit Union Machine are Free

ATM/Debit Card Transaction Fee
(Per Transaction after four (4) per month at a foreign terminal****)

$1.50

ATM / Debit Card Inquiries
(Per Transaction after four (4) per month at a foreign terminal****)

$1.00

ATM / Debit Card Denials

$0.50

Copy of ATM / Debit Card Draft

$15.00

Replacement Cards

$25.00

OOPS Overdraft over $29.99

$30.00

OOPS Overdraft $10.00 – $29.99

$5.00

OOPS Overdraft Less than $10.00

No Charge

OOPS Overdraft Fee Per Transaction

$30.00

Self-Service Coin Machine

Members

3.00% of total coin exchange

Non-Members

10.00% of total coin exchange

*MSF of $10.00 will be charged if Average Daily Balance (ADB) falls below $5,000.
**MSF of $15.00 will be charged if Average Daily Balance (ADB) falls below $10,000.
***As set by Commissioner of Banks.
****Some Foreign ATM Networks charge a surcharge for access to their machines. The amount of any such charges will be deducted automatically from your selected Account(s).

This Schedule of Fees for all accounts sets forth certain fees and charges applicable to your credit union accounts effective 8/1/20. This schedule is incorporated as part of your membership agreement with the credit union. You will be notified of changes to these charges.

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To find out how St. Jean’s Credit Union puts you and your priorities first, visit one of our offices, use our contact form, or call us at 978.462.2771.

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