Fee Schedule

Most 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 2/1/2016

Checking Account – free checking – no monthly charge – no check charge

Business Checking – $4.00 per month service fee if minimum balance of $500 is not maintained. Check fee of $.08 per check if over 20 checks per month

Dividend Bearing Checking – $8.00 per month service fee if minimum balance of $500 is not maintained

Money Markets – $10.00 per month service fee if minimum balance of $2500.00 is not maintained

Overdraft fees – Share draft fee: $28 if returned and/or paid ACH NSF fee: $28 if returned and/or paid VISA Check/Money Pass ATM Cards: $28

Miscellaneous fees – Stop payment fee: $28 per item $28 per block

Temporary/Counter Checks – First 12 free – $1.50 per sheet of 4 checks (check order prices vary depending on style)

Statement printout – $3 current month / $5 prior month(s)

Check copies – $5 per item or free through CU Online

Account Research fee – $10 per hour (1 hour minimum)

Fax – $1 per page

Dormant Account – $25/year

Early Closure – $25 if closed within 90 days

Charge backs – $15 per item

Garnishments – $25

Collection items – $15

Statement Storage Fee – $3 monthly

Wire Transfers – International – $40 / Domestic – $15 / Western Union $20

Credit Union Membership – $25 per share

VISA CheckCard fees – no monthly charge – no charge per use if signature based transaction – PIN (PIN based point of sale (POS) transaction – $1.00

VISA Replacement CARD/PIN Mailer fee – $10/$5   PIN Reset: $2.25

VISA Gift Card – $3.75

ONLINE BILL PAY FEES

Enrollment Fees – There will be a $5.00 one-time enrollment fee. This fee is waived if enrolled in e-statements.

E-Statements Only – No monthly charge. Monthly statement will no longer be mailed. You may view your statements through our CU Online program.

NFS Returned – $28 and/or NSF Paid – $28

Inactive fee – $2.50 after three (3) months consecutively.

YOU MUST ENROLL IN OUR CU ONLINE IN ORDER TO SIGN UP FOR ONLINE BILL PAY AND E-STATEMENTS