Fee Schedule - Rates – All Rates and Fees – Lending - Veridian

Rates

Fee Schedule

Checking, Overdraft and Non-Sufficient Funds (NSF) Charges
Copies of Cleared Checks $1/item*
Cost of Checks Prices vary with quantity, style, & design
NSF Checking $32/presentment of item; $128/day maximum
NSF ACH Preauthorized Withdrawal $32/item; $128/day maximum
Overdraft Fee $32/presentment of item; $128/day maximum
Stop Payment $25*
Temporary Checks $0.50/packet*
Check Issue Charges
Counter/Cashier Checks (to member or joint member) Free
Counter Checks (second-party checks) $3 each* (tax applicable if issued from Share Draft)
Money Orders ($1000 limit) $2 each
ATM Fees
Fee After 10 Withdrawals at non-Veridian Machines $1.50 per withdrawal
Non-Sufficient Funds (NSF) ATM withdrawal $32/presentment of item; $128/day maximum
Card Replacement Fee $5*
Note: ATMs 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 transfers to Veridian Investment & Trust Services) $10
VISA® Debit Card
Copy of Actual Charge Slip $3
Card Replacement Fee $5*
Express Replacement Card Delivery $25*
Visa Debit NSF Overdraft $32/item; $128/day maximum
VISA® Platinum Credit Card
Annual Percentage Rate Variable
Annual Fee None
Grace Period 25 days
Card Replacement Fee (standard delivery) $5*
Card Replacement Fee (express delivery) $25*
Payments Over 15 Days Late $15
Copy of Actual Charge Slip $3
Returned Payment Fee $25
VISA® Platinum Rewards Credit Card
Annual Percentage Rate Variable
Annual Fee None
Grace Period 25 days
Card Replacement Fee (standard delivery) $5*
Card Replacement Fee (express delivery) $25*
Payments Over 15 Days Late $15
Copy of Actual Charge Slip $3
Returned Payment Fee $25
Online Banking
Returned Item $32
Statement/Account Assistance
Account Histories $1/page*
Copy of Statement $2/statement*
Statement Reconciliation (max history of 3 months) $15/hour*
Health Savings Account (HSA)
HSA Monthly Service Fee $2
Safe Deposit Boxes
Annual Rental Fee (3X5): $30
(5X5): $35
(3X10): $40
(5X10): $45
(10X10): $60
Lost Key Charge (if both keys are lost, owner pays the actual cost to open box) Member assessed actual cost
Wire and EFT/ACH Transfers
Domestic Wire (outgoing) $20
Domestic Wire (incoming) $10
International Wire (outgoing) $40
International Wire (incoming) $10
Western Union® Fees may vary based on amount sent and destination
Returned Item $32
Additional fees may be charged by other financial institutions involved in a transfer.
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 $30
Deposit Items Returned (not written on member's account) $10
Lost Money Order Member assessed actual charge
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
Tax Levy/Garnishment Fee $50
Check Processing by Phone for Loan Payment Fee $15
Credit Card Payment by Phone for Expedited Payment Fee $15

*Sales tax may apply.

APR = Annual Percentage Rate. Rates for the Visa Platinum and Visa Platinum Rewards cards are determined by adding 4.9% to 15.9% to Prime. Prime means the “Prime Rate” as published under “Money Rates” in The Wall Street Journal. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and card type. All loans subject to approval. Current rates range from 10.15% to 18%. Maximum APR is 18%. Possible fee(s): foreign transaction fee is 1% of each multiple currency transaction or .8% of each single currency transaction.

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