Effective 4/1/17

Membership

 

New or Rejoining (For members 18-54)

$10.00

Account Research/Reconcilement Assistance

 

Per hour (With a 1 hour minimum)

$25.00

Card Services

 

VCCU & CO-OP Network ATM Transactions

FREE

Out of Network ATM Transaction Fee

$1.50

Overdrawn Account

$30.00

Stop Payment Debit or Credit Card Transactions

$20.00

Cashier’s Checks, Money Orders & Wires

 

Cashier’s Check

$5.00

Money Order

$5.00

Outgoing FRB Wire

$25.00

Foreign Wire Fee

$40.00

Checking

 

Copies of Checks (First two copies FREE per month)

$3.00

Regular Checking Monthly Service Charge

FREE

Second Chance Checking Monthly Service Charge

     with Direct Deposit

     without Direct Deposit

 

$5.00 $12.00

Check Cashing

     Members

 

FREE

     Non Members (Per check)

$5.00 *

Corporate Check Copy

$2.00

Corporate Check Fee

$5.00

Corporate Check Stop Payment

$20.00

Courtesy Pay Fee (Per overdraft)

$30.00 *^

MMA Below Minimum Balance (Monthly)

$2.00

MMA Excess Transaction Fee (No more than six withdrawals or transfers. Includes checks and paper drafts)

$10.00

Non-Sufficient Funds Item

$30.00

Overdraft Protection Transfer Fee

$2.00

Replacement Debit/ATM Card (Per card)

$5.00

Stop Payment

$20.00

Temporary Checks (Excluding initial order)

$2.00

Zeal Checking (Age 55+)

FREE

Coin Redemption at Self Service Machines

 

in Ventura, Oxnard, Thousand Oaks & Simi Valley

 

Members’ Personal Use

5%

Non-Members

10%

Electronic Services

 

Bill Pay

FREE

Mobile Banking

FREE

Online Banking

FREE

Other Fees

 

Benefits Plus Monthly Fee

$5.00

Copies of Account Statements

$5.00

Escheatment Notice

$2.00

Dormant Account Fee/Inactive Fee

    (After 1 year of dormancy/inactivity per month)

 

$10.00 *

Third Party Returned Item Fee (Per item)

$15.00

Member Check Drawn on Another Financial Institution

     Deposited and Returned

 

$25.00

Holiday Account Withdrawal

     (Jan 1 – Oct 31)

$5.00

IRA Annual Trustee Fee

$15.00

IRA Closure Fee

$15.00

Medallion Signature Service

$20.00 *

Mortgage Demand Fee

$30.00

Notary Fee per Signature for Non-Credit Union Documents

$15.00 *

Pay by Phone

$15.00

Processing Levies, Garnishments, etc.

$40.00

Returned Item (Check by phone)

$35.00

Returned Mail Fee

     (After 90 days assessed if not updated/per month)

 

$2.00

Statement Fee (Minors, 66+ excluded)

 

     Electronic

FREE

     Paper

$2.00 *

Stop Payment (ACH)

$20.00


Other product/service specific fees may apply, but will be disclosed at account opening. 

† New service

* Denotes changes effective 4/1/2017

^ A fee applies for the payment of each overdraft; Standard overdraft protection includes checks and other transactions made using your checking account number and automatic bill payments. ATM transactions and non recurring debit card transactions are not covered unless member opts-in for coverage. Coverage up to a $1000 limit; ($500 minimum). Qualifications apply. Members will have up to 30 days to make a deposit to their account to repay the overdraft. 

By selecting this coverage, members acknowledge that any deposit made into their checking account after an overdraft occurs will in effect repay the overdraft balance whether the funds are from an automated payroll deposit, social security deposit or other automated deposit or deposit by check.

Federally insured by NCUA