Effective 2/1/2020

Print Fee Schedule

Account Charges and Services
 

Account research and reconcilement 
   (per hour; 1 hour minimum) 

$25.00 

Dormant or inactive account/monthly 
   (after 12 months of inactivity)

$10.00 

Escheatment notice

$2.00 

Returned mail/monthly 
   (assessed after 90 days if not updated)

$2.00 
Cashier’s Checks, Money Orders and Wires 

 

Cashier’s checks 

$5.00 

Foreign wire fee 

$40.00 

Money order 

$5.00 

Outgoing FRB wire

$25.00

Checking and Share Accounts

 

Check copies (first two free per month) 

$3.00 

Check cashing 

 

   Members

No fee 

   Non-members

$5.00 

Corporate checks 

 

   Copy of check 

$2.00 

   Check issuance

$5.00 

   Stop payment

$20.00 

Holiday account withdrawal 
   (January 1 – October 31) 

$5.00 

IRA annual trustee fee 

$15.00 

IRA closure 

$15.00 

MMA below minimum balance (monthly) 

$2.00 

MMA excess transactions
   (each; after 6 withdrawals or transfers including

$10.00 

   checks and paper drafts) 

 

Monthly service charge 

 

   Regular checking

No fee 

   Second Chance checking

 

      with Direct Deposit

$5.00 

      without Direct Deposit

$12.00 

Stop payment 

$20.00 

Stop payment (ACH) 

$20.00 

Temporary checks (after initial order) 

$2.00 

Zeal checking (55+) 

No fee 
Coin Redemption at Self-Service Machines

 

Ventura, Oxnard & Simi Valley

   Member’s personal use

5%

   Non-members

10%

Debit and ATM Transactions

 

CO-OP network and VCCU ATMs use

No fee

Out-of-network ATM use

$1.50

Replacement debit/ATM card (per card)

$5.00

Stop payment debit/credit card transactions

$20.00

Electronic Services

 

Bill Pay

No fee

Mobile Banking

No fee

Online Banking

No fee

Member Services

 

Benefits Plus Monthly Fee (18-54)

$5.00

Medallion signature service

$20.00

Member fee for new or rejoining (18 +)
   Includes tax deductible donation of $10 to 
   The Foundation of VCCU

$10.00*

Notary fee per signature for non-credit union documents

$15.00

Account Charges and Services

Mortgage demand fee

$30.00 

Loan payment by phone 

$15.00

Processing levies, garnishments, etc.

$40.00 
Overdrafts and Returned Items 

Courtesy Pay (per overdraft)**

$30.00

Non-sufficient funds per returned item

$30.00 

Overdraft transfer from checking/share 

$2.00 

Overdrawn account

$30.00 

Returned item (electronic check by phone) 

$35.00 

Third party returned item (per item) 

$15.00 

Member check drawn on another financial institution deposited and returned

$25.00 
Statement Fees

 

Copies of account statements (each) 

$5.00

Periodic statement fee (18-65; monthly)


   Electronic 

No fee 

   Paper

$2.00  

Other product/service specific fees may apply, but will be disclosed at account opening. Fees are subject to change. 

* Denotes changes effective 2/1/2020

** 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.