Veridian Credit Union operates under the philosophy of keeping our fees as low as possible. As a member-owner of Veridian, we want you to have affordable access to the financial services you want and need.

Checking, Overdraft and Non-Sufficient Funds (NSF) Charges
Copies of Cleared Checks	$1 plus tax/item
Cost of Checks	Prices vary with quantity, style, & design
NSF Checking	$29/item; $116/day maximum
NSF ACH Preauthorized Withdrawal	$29/item; $116/day maximum
Overdraft Fee	$29/item; $116/day maximum
Stop Payment	$20 plus tax
Temporary Checks	$0.50/packet plus tax
Check Issue Charges
Cashiers Check	$2
Counter Checks (to member or joint member)	No charge
Counter Checks (second-party checks)	$2 each
Money Orders ($1,000 limit)	$2 each
Travelers Checks (Regular)	$1/$100 purchase
Travelers Checks (checks for two)	$1.50/$100 purchase
ATM Fees
Fee After 10 Withdrawals at Non-Veridian Machines	$1.50 per withdrawal
Non-Sufficient Funds (NSF) ATM withdrawal	$29/item; $116/day maximum
Card Replacement Fee	$5 plus tax
Note: ATM's not owned by Veridian may issue a surcharge
IRA
Minimum IRA Savings Account Balance	$50
Minimum IRA Certificate Balance	$500
Outgoing IRA Transfer Fee (does not apply to tranfers to Members Financial Services or First Community Trust)	$10
VISA® Debit Card
Copy of Actual Charge Slip	$3 plus tax
Card Replacement Fee	$5 plus tax
Express Replacement Card Delivery	$10 plus tax
Visa Debit NSF Overdraft	$29; $116/day maximum
VISA® Platinum Credit Card
Annual Percentage Rate	Variable*
*APR as low as Prime + 2.9% - 10.9% (based on credit score) and subject to change. Prime means the "Prime Rate" as published under "Money Rates" in the Wall Street Journal. The minimum APR is 5.9%, and the maximum APR is 18%.
Annual Fee	None
Grace Period	25 days
Card Replacement Fee (standard delivery)	$5
Card Replacement Fee (express delivery)	$10
Payments Over 15 Days Late	$15
Copy of Actual Charge Slip	$3
NSF Check	$29
VISA® Platinum Rewards Credit Card
Annual Percentage Rate	Variable**
**APR as low as Prime + 3.9% - 12.9% (based on credit score) and subject to change. Prime means the "Prime Rate" as published under "Money Rates" in the Wall Street Journal. The minimum APR is 5.9%, and the maximum APR is 18%.
Annual Fee	None
Grace Period	25 days
Card Replacement Fee (standard delivery)	$5
Card Replacement Fee (express delivery)	$10
Payments Over 15 Days Late	$15
Copy of Actual Charge Slip	$3
NSF Check	$29
Home Banking
Bill Payment: Per Bill Charge If Not Signed Up for Free eStatements: Per Bill Charge When Signed Up for Free eStatements:	$0.30 per item  Free
External Transfers (inbound)	Free
External Transfers (outbound)	$2.00/transfer
External Transfers (outbound - next day)	$10
Statement/Account Assistance
Account Histories	$1 plus tax/page
Copy of Statement	$1 plus tax/page
Research Fee	$15 plus tax/hour
Statement Reconciliation (max history of 3 months)	$15 plus tax/hour
Rolled Coin Fee	$0.04/roll
Health Savings Account (HSA)
Monthly Service Fee	$2
Safe Deposit Boxes
Annual Rental Fee (3X5):	$25
(5X5):	$30
(3X10):	$35
(5X10):	$40
(10X10):	$55
Lost Key Charge (if both keys are lost, owner pays the actual cost to open box)	Member assessed actual cost
Wire Transfers
Domestic (outgoing)	$15
Domestic (incoming)	$5
International (outgoing)	$35
International (incoming)	$5
Commercial Money Order
Western Union®	Member assessed actual cost
Miscellaneous
Foreign Exchanges - Exchange of Currency	Member assessed actual charge
Foreign Exchanges - Purchase of Foreign Currency	Member assessed actual charge
Foreign Exchanges - Exchange of Checks or Travelers Checks	Member assessed actual charge
Foreign Item Collection Fee (fee applies to the collection of checks deposited from foreign banks)	$5
Address Research (if statement is returned twice for incorrect address)	$5 per quarter
Deposit Items Returned (written on member's account	$29
Deposit Items Returned (not written on member's account)	$5
Fax Sending Charges:
First Page	$3
Pages 2-10	$1.50
Pages 10+	$1
Fax Receiving Charges:	$0.50 per page
Lost Money Order	Member assessed actual charge
Photocopy charges	$0.25 per page
Maintenance Fee (annual fee charge on accounts with no activity for more than 12 months, age 18 and over, with no safe deposit box, VISA credit card, loans and aggregate balance under $50)	$15
Below Membership Requirement Fee (for accounts under $5 minimum membership requirement. Members notified in writing prior to fee assessment)	Remaining balance will be withdrawn
Member Cashing Non-member Check Fee	$5 per qualified check
Non-member Coin Counting	5% of counted coin
Non-member Notary	$10
Verification of Deposits	$10
Lien Subordination	$25
Written Loan Payoff Request Fax	$10
Exit Fee (charged when new membership account is opened and closed two times or more in 12-month period)	$5
Tax Levy/Garnishment Fee	$25
Check Processing by Phone for Loan Payment Fee	$10
Credit Card Payment by Phone for Loan Payment Fee	$10
VISA® Gift Card Fee	$3.50