Fee Schedule

Fees are current as of November 25, 2024, unless otherwise noted, and are subject to change.

Savings Account Fees

Service	Fee
Below Minimum Balance Service Fee-Inactive Savings Account	$5.00 per month
Early Closure Fee¹	$25.00 per account
Holiday Club Excessive Withdrawal Fee	$10.00 per transaction
Starting Over Savings Withdrawal Fee	$15.00 per transaction (after one free wd per year)
Reopen Savings Fee²	$5.00 per account
**Paper Statement Fee³	$5.00 per statement cycle
E-Statement Fee	FREE

Checking Account Fees

Service	Fee
Regular Checking Account	$5.00 per month
E-Checking Account	$7.50 per month
Senior Checking Account	$3.50 per month
Copy of Cleared Check (in excess of two per month)	$3.00 per item
Draft/Check Printing	Fee depends on style of draft ordered
Draft/Check Manual Handling	$10.00 per order
Courtesy Pay Reinstatement Fee	$35.00 per reinstatement
Invalid MICR Line Processing	$5.00 per item
LCFCU Online E-Pay Base Fee (per enrolled suffix)	FREE (must initiate one bill per month)
LCFCU Online E-Pay Inactive Fee	$5.95 per month
Non Sufficient Funds - Returned	$35.00 per item
Paid Overdraft	$35.00 per item
Reopen Checking Fee2	$10.00 per account
Stop Payment	$30.00 per item or payment order
Temporary Checks	$3.00 for four checks

Debit Card Fees

Service	Fee
ATM Foreign Transaction	$3.95 per transaction
Overdraft Fee	$35.00 for Debit Card, ATM transactions, or recurring debit card transactions
Manual Handling Fee	$10.00 per occurrence
Replacement Debit Card	$10.00 per item
Stop Payment on Recurring Transactions	$30.00 per request
VISA Merchant Transaction Copy	$15.00 per request

Wire Transfer Fees

Service	Fee
Foreign Wire Transfer (outgoing)	$50.00 per payment order
Domestic Wire Transfer (outgoing)	$25.00 per payment order
Foreign Tracer Fee	$20.00 min. per trace

Wire Transfer Disclosure Statement >

Miscellaneous Fees

Service	Fee
Account Activity Printout	$3.00 per request
Account Balancing Assistance	$25.00 per hour
Account Research	$25.00 per hour
Bad Address Fee	$5.00 per month
Cashier’s Checks	$8.00 per item
Change of Address (per postal notification)	$5.00 per notification
Check Cashing Fee⁴	Based on 1.5% of the check amount
Coin Purchased (in excess of 10 rolls per month)	$0.15 per roll
Collection Item (Domestic)	$10.00 per item
Collection Item (Foreign)	$25.00 per item
Collection Item (On-us)	$10.00 per item
Escheat Fee	$50.00 per membership account
Inactivity Fee⁵	$10.00 per month
IRA Transfer Fee	$15.00 per occurrence
Money Orders	$3.00 per item
Notary Service (members only)	FREE for first three items $5.00 per signature on four or more documents
Overnight Delivery Fee (afternoon delivery)	Fee depends on location/delivery type
Payment by Phone	$10.00 per request
Return Item Fee	$12.00 per item
Return Item Fee (one-party)	$35.00 per item
Statement Copy	$5.00 per statement
Stop Payment on Corporate Check	$30.00 per item
Tax Levies/Garnishments	$75.00 per request

Safe Deposit Fees

Service	Fee
Annual Rental Fee (3x10)	$70.00 per box
Annual Rental Fee (5x10)	$90.00 per box
Annual Rental Fee (10x10)	$140.00 per box
Drill Box Fee	$200.00 per occurrence
Key Deposit	$25.00 per box
Late Fee	$15.00 per month
Replacement Key	$25.00 per occurrence
Returned Payment Fee	$35.00 per occurrence

1. Applies to any Savings Account Closed within 90 days of Opening
2. Applies to any Account Reopened within 90 days of Closing
3. Applies to members between the ages of 19 and 64 with aggregate deposit/loan balances of less than $10,000; E-statements are FREE.
4. The Check-Cashing Fee is waived for members maintaining a share draft account with us or for members who maintain a balance of at least $500.00 in any one account. The Check Cashing Fee will also be waived if you deposit at least 25% of the check into your Savings account.
5. Applies to members between the ages of 19 and 64 with less than $250 in total deposits and no member-initiated account activity in a 12-month period.