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


  • Equal Housing Lender
  • NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.