Fee Schedule
Effective Starting 06/01/2024Most credit unions generally charge fewer and lower fees than most other financial institutions. Please keep in mind that the fees and/or limits imposed on accounts with our credit union are designed to pass on the cost or to recover the cost of providing a specific service to our membership who use them or incur them. They are not structured for JMCU to profit from.
The fees listed are accurate for accounts as of the date indicated below, and are subject to change at any time by our Board of Directors.
FEES effective as of 06/1/2024
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SCHEDULE OF FEES AND CHARGES |
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GENERAL FEES |
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| Account Closure | $25.00 if account closed within 90 days |
| Account Reconciliation | $10.00/Hour and $10.00 minimum charge |
| Account Research | $10.00/Hour and $10.00 minimum charge |
| Cashier’s Check | $3.25/Check (Credit Union checks cleared by the Credit Union) |
| Counter Checks | $1.50/Sheet of 4 |
| Dormant Account | $25.00/Year after 12 months no activity |
| Fax (Outgoing) | $1.00/Page |
| Money Order | $3.00/Money Order |
| Statement Copy | $5.00/Copy |
| Statement Printout – Previous Month | $5.00/Printout |
| Statement Printout – Current Month | $3.00/Printout |
| Statement Storage | $9.00/Quarter |
| Visa Gift Card | $3.75/Card |
| Wire Transfer (Outgoing – Domestic) | $15.00/Transfer |
| Wire Transfer (Outgoing – International) | $40.00/Transfer |
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SHARE DRAFT ACCOUNT FEES |
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| Check/Share Draft Printing | Prices may vary depending upon style |
| NSF | $28.00/Item, waived if there is an overdraft loan |
| ATM Overdraft | $28.00/Item |
| Copy of Check | $5.00/Item |
| One-time Debit Overdraft | $28.00/Item |
| Overdraft | $28.00/Item |
| Returned Item | $28.00/Item |
| Stop Payment | $28.00/Request |
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EFT FEES |
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| ACH Early Pay | $10.00/Item |
| ACH Overdraft | $28.00/Item |
| Bill Pay | $5.00/Enrollment (one-time charge if not enrolled in e-statements) |
| Bill Pay Inactivity | $2.50/Month if not used for 3 consecutive months |
| Card Replacement | $10.00/Card |
| Debit Card Overdraft | $28.00/Item |
| Debit Card Transaction | $0.50/Item if PIN is used at POS |
| PIN Reissue | $5.00/mailed request |
| PIN Reset | $2.25 (in branch only) |
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SPECIFIC ACCOUNT FEES |
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| Money Market – Service Fee | $10.00/Month if minimum daily balance is not met |
| Dividend Bearing Share Draft – Service Fee | $8.00/Month if minimum daily balance is not met |
| Business Checking – Service Fee | $4.00/Month if minimum daily balance is not met |