Disclosure Statement

Schedule of Fees & Service Charges
as of January 1, 2008

Minimum Opening Deposit

 $10.00

Closing Account Fee (if closed within 90 days)  $ 5.00

Reopen Account Fee

 $5.00 if account that was closed within the last year.

Staff Transfers & Balance Inquiries over the Phone

 $2.00 per request - FREE thru Speedy Teller & your C.U@HOME

Account History or Statements

 $1.00 per page

Outgoing Wire Transfers

 $15.00 Domestic $25.00 Foreign

Money Orders

 $1.00 each  $.50 for Senior Citizens (60 & older)

Return Mail Fee

 $2.00

Travelex Gift Cards - $25.00 to $2999.00

$4.50

Travelex Money Cards- $250.00 to 9999.00

 $10.00

 

Replacement ATM Cards 

 $5.00

Replacement ATM PIN number

 $4.00

ATM Withdrawal Fee  $1.00 -  free with direct deposit of net check

Cashier Checks

 $2.00 per check

Certified Check  $3.00 per check 

Return or Redeposit Check Fee

 $10.00 per check deposited (drawn on another financial institution)

Legal Processing Fee

 $35.00

Account Reconciliation or Research Fee

 $20.00 per hour

Stop Payment Fee

 $15.00 per item (Checking or ACH)

 

 

 Share Draft Fees (Checking Accounts)

 

Monthly Service Charge

 $3.00 waived if $300.00 balance maintained or Reality Checking Acct.

Overdraft Transfer Fee

 $2.00

Copy of Sales Draft

 $6.00 per item (Debit Cards)

NSF Fee  $25.00 per item (Checking or ACH)
Courtesy Pay  $25.00 per item paid

Starter Checks

 $3.00 (excluding new accounts)

Check Copies

 $5.00

BRCCU checks cashed by non-members  $2.00

Check Ordering

 Prices vary

 Business Checking Accounts

 

Monthly Service Charge

 $10.00 waived if $2000.00 balance is maintained.

Overdraft Transfer

 $2.00

NSF Fee  $25.00 per item (Checking or ACH)
Starter Checks  $3.00 (excluding new accounts)

Check Copies

 $5.00

Reconciliation Charges

 $25.00 per hour

Unlimited Debits

 

30 Deposit Items Free

$ 0.10 per item in excess of 30 deposit items

BRCCU checks cashed by non-members  $2.00
Check Ordering Prices vary

 Mortgage or Home Equity Fees

 

Penalty for payoff within 1 year of origination date

 $300.00

Credit Report Fee

$25.00


Belle River Community Credit Union
10636 Gratiot Avenue
P.O. Box 159
Richmond, Michigan 48062
(586) 727-6855
Fax: (586) 727-7460
brccu@comcast.net