Credit Union Membership  
AMFCU: FEE SCHEDULE
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***Fees are subject to change***
As of November 21, 2014

Share Account Joining Fee

$0.00             

$5.00 Minimum required to open account.

Draft Account Joining Fee

$0.00

Must have open Share Account & minimum of $5.00 deposit ( plus Check order fee deposit)

Club Accounts

Holiday Club Account

$0.00

Must have open Share Account and a minimum deposit of $5.00 to open club account, Maximum Balance of $12,000.00 by period ending October 16th, (funds released next business day) Funds must remain in account for full term. Early withdrawal forces account closing without a dividend payment.

Vacation Club Account

$0.00

Must have open Share Account and a minimum deposit of $5.00 to open club account, Maximum Balance of $12,000.00 by period ending May 16th, (funds released next business day) Funds must remain in account for full term. Early withdrawal forces account closing without a dividend payment.

Certificate of Deposit

1 Year CD Account

$0.00

Must have open Share Account and a minimum deposit of $5,000.00 to open CD account. Dividends will be paid at Maturity. Early withdrawal penalty will be 90 days of interest. Certificates will automatically roll over with 10 day grace period. When dividends are paid member will have the choice of: Deposit to certificate, deposit to share account, or mail to owner. Share secured loans may be secured by a CD.

Stop Payments

Stop Payment Fee on member check / ETF

$30.00

Per each occurrence (ETF = Electronic Funds Transfer)

Stop Payment on an AMFCU Check

$35.00

AMFCU Checks clear through 1st Commonwealth Bank and $35.00 is what the Credit Union is charged

Order Supplies

Checks and Deposit Slips

Varies

Deducted from Draft Account electronically

Vinyl Check Cover

Free

Free at time of new check order

Special Check Cover

Varies

Deducted from Draft Account electronically

Address Labels

Varies

Deducted from Draft Account electronically

Payment Books-1st Order

Free

Ordered at time of new loan

Re-Order Payment Books

$7.50

Fee for re-order due to members request for lost books, name and/or address change

Debit Card & Share Draft Accounts

Credit Union ATM Fee

$0.00

No fees at any CU Dollar ATM, Credit Union ATM or participating Allpoint ATM location – (Note: Locations subject to change)

Other Financial Institution’s ATM Fee

Varies

May be subject to optional fee amount with use of other Financial Institutions ATM machines

Replacement Card Fee

$20.00

Per card

Non-Sufficient Funds Fee /Returned Check

$20.00

Per each occurrence

Lost or Forgotten PIN Fee

$5.00

Per each occurrence

Cardholders Deposit Error Fee

$15.00

Per each occurrence

Other Deposit Discrepancy Fee

$25.00

Per each occurrence

Improper Endorsement

$25.00

Per each occurrence

Account Reconcilement / Research

$35.00

Per hour - Includes deposit and loan related research

Account Reconcilement /Research

$5.00

Per copy

Other Fees

Non-Sufficient Funds Fee on Checks

$20.00

Per each occurrence

Daily Negative Balance Fee

$5.00

Daily fee accumulates beginning after the 7th business day of insufficient funds

Deposit Item Returned

$20.00

Per each occurrence (Personal Checks to AMFCU clear through 1st Commonwealth Bank)

Inactive Account Fee

Varies

If a share account remains inactive for a period of three (3) years and the member cannot be located, an inactive account fee of $5.00 per month retroactive will be charged up to $180.00. If the balance is less than $180.00, the account will be closed and the balance will be charged as an inactive account fee. If the balance is over $300.00, the retroactive inactive fees of $180 will be charged, the account will be closed, and the remaining funds forwarded to the state as required by law.

Account Closing Fee

$25.00

For accounts closed within 90 days

ALLEGHENY METAL
FEDERAL CREDIT UNION
260 Pershing Avenue
Leechburg, PA 15656
Phone: (724) 845-8923
Fax: (724) 845-7452

www.alleghenymetalfcu.org

 
**Your savings are insured up to $250,000 through the NCUA** 
Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts: All funds in a noninterest-bearing transaction account are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules. The term noninterest-bearing transaction account includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (NOW) account, money market deposit account, and Interest on Lawyers Trust Account (IOLTA), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov .

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