Ka’u Federal Credit Union - Fee Schedule

Effective 8/1/2010

Regular Individual Share Draft Accounts

Monthly fee $3.00
Fee waived if any one of the following exists:
• Minimum Average Daily Balance of $300.00 is maintained for the month
• Direct deposit of entire payroll
• Direct deposit of social security, other disability or retirement
• Primary member is over 55 years of age
• Minimum Average Daily Balance maintained in the Regular Share account is $1,000.00
• Outstanding loan of at least $2,000.00
• Youth under 18 years of age

Business and Association Share Draft Accounts

Monthly fee $10.00
Fee is waived if any of the one following exists:
• Minimum Average Daily Balance of $500.00 is maintained for the month
• Minimum Average Daily Balance maintained in the Regular Share account is $5,000.00

Account Fees – All Share Draft Accounts

Overdraft $20.00 per item
Stop Payment $10.00 per request
Copy of Paid Draft $1.00 per item
Share Draft Printing Varies
Counter Check $0.15 each
Share Draft Reconciliation $20.00 per hour

Other Service Fees (applicable to all accounts)

Bad Address $3.00 per month
Foreign Check Collection $30.00 to $60.00
(depending on Country)
Return Item $10.00 per item
Return Item (Third Party Check Deposited) $5.00 per item
Return Item (Drawn on another Institution) $15.00 per item
Statement Copy $5.00 per statement
Wire Transfer (incoming) $5.00 per transfer
Wire Transfer (outgoing) $15.00 per wire
Wire Transfer (CU to CU) $10.00 per transfer
Wire Transfer (International) $35.00 per item
Process Lost CU Check $35.00 per item
Legal Process (Garnishment) $35.00 per item
Inactive Account - Dormant (3 years of inactivity) $5.00 month
Withdrawal of New Membership (within 90 days) $25.00
Photocopy of CU Check $3.00 per copy
Computer Printout of Member’s Account $ 3.00 per sheet
ACH Bounced Debit Item $15.00 per item
ACH Stop Payment on Debit Item $10.00 per item
Money Order $1.00 ($1,000.00 maximum)
Traveler’s Check $1.00 per $100.00
Credit Union Check (made payable to account owner – FREE) $ 5.00 per check
Escheat Fee $50.00

Share Value/Membership Fee

Par Value of One Share $25.00
Membership (one-time fee) $ 1.00

Rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicate on the Truth-in-Savings Disclosure. If you have any questions or require current rate information, please call Ka'u Federal Credit Union at 808-929-7334.