IBM Southeast Employees’ Federal Credit Union
MEMBERSHIP FEE SCHEDULE
Effective August 1, 2013

Cash Withdrawals Allowed ..Unlimited Number of Transactions.
(Funds must be available ……… Withdrawals over $2,000.00 may require advance notice.*)
“Certain Saver” Withdrawal / Transfer Fee .............................$5.00
Check Card
  Custom “Picture on Card” New Card Fee ................$10.00
  Custom “Picture on Card” Replacement Card Fee ..$15.00
  Standard Card Replacement Fee .............................$10.00
  Non-Credit Union ATM Transaction Fee ...............................$2.00
  Personal Identification Number (PIN) Replacement Fee ............$5.00
  Rush PIN Request Fee..........................................................$20.00 
  VISA International Service Assessment (ISA) Fee 2% of U.S. Dollar Amount
Check Copy Fee .........................................................................$2.50
Check Printing Fee .................. Determined by style of checks ordered
Checking Monthly Service Fee ................................$1.90 per month
Applies to all personal Checking accounts, except myWallet, limit one (1) fee per Membership.
“Checking Plus” Per Check Fee ......................................$2.00
                                  First three (3) checks cleared per month at no charge
Cleared Check Images on Computer Disc (CD) Fee* ...........$30.00
Courtesy Clearing Fee  .................................................................$22.00
                             ACH Repost Debit, Check Clearing or Exception Item Posting
     (ACH or Check Non-Sufficient funds (NSF) cleared with transfer or same day deposit)
Credit Union Service Center (CUSC) Transaction Fee .................$1.00
                 Maximum of one (1) fee per day, does not apply to loan payments
  CUSC fees may apply to Negotiable Instruments, Money Orders and Official Checks
Deposited Item Returned Fee .................................................$10.00
Deposited Item Returned From Self Fee ...............................$32.00
Dormant Account Fee  .....................................................$10.00 per month
                Per each Inactive Savings, Checking and Money Market Account,
                                           with no Monetary Transactions after one (1) year
eDeposit
  Administrative Fee .................................................................................$10.00
  Deposit Not Received Fee .....................................................................$40.00
eTransfers [Electronic Funds Transfers (EFT)] ....................................No Fee
eTransfers between your Savings and Checking, and your accounts at other financial institutions.
Foreign Check Collection Fee ........................ $15.00, plus vendor fees
 Canadian and International - Visit www.WesternUnion.com for foreign currency and travelers checks.
Gift Check Fee ...........................................................................$2.50
Grand Checking Minimum Balance Violation Fee .......$9.00 per month
                                               For Minimum Daily Balances of Less Than $1,000.00

Health Savings Account (HSA)
  Closure and / or Transfer Fee ..............................................$25.00
  Overdraft / Overdrawn Fee .........................................$7.00/$32.00
  Per Check Fee (First three (3) checks cleared per month at no charge) ...............$2.00
Interim Statement Fee .............................................................. $6.00 
Item Deposited/Special Handling Fee (Collection or Third Party Item) ..........$15.00
Legal Research Fee ..................$100.00 per hour, 1/2 hour minimum
Loan Payment by Phone Fee (Expedited Payment) .....................$10.00
Non-Credit Union credit or debit card used to pay IBM Southeast EFCU credit cards, loans and mortgages.
Medallion Guarantee Fee (Stock Transfers) .................................$10.00

 
 
Money Market Excess Transaction Fee .............. $5.00 per violation
     For Exceeding Federal Monthly Limitation of Six (6) Withdrawal or Transfer Transactions
Money Market Minimum Balance Violation Fee .....$9.00 per month
                                                  For Minimum Daily Balances of Less Than $500.00
Money Order Fee ($999.99 maximum) ............................................$4.00
myWallet Checking Monthly Service Fee ................................$7.95
Avoid fee with eStatements, one (1) Direct Deposit, and ten (10) Debit Card transactions per month.
Notarization Fee ................................. Florida $10.00 / Georgia $4.00
Official Check Fee .....................................................................$5.00
Online Bill Paying
  Annual Transaction History Computer Disc (CD) Fee* ................. $30.00
  Check Copy Fee ....................................................................$25.00 
  Expedited Overnight Payment Fee (EFT/Check) .....................$9.95/$18.95
  Monthly Service Fee ............................................................ No Fee
  Non-Sufficient Funds [NSF] / Uncollected Funds Fee .......$32.00
  Remote Bill Scanning and Presentment Fee ........................$1.00
  Research Fee ........................................................................$25.00
  Stop Payment Fee (Check Payments Only) .................................$30.00
Overdraft Privilege Program Fee (ODP) (Privilege Pay) ............$32.00
Overdraft Protection Transfer Fee (Transfer from Share Account) ...$7.00
Overnight Delivery Fee (Weekday/Saturday & Holiday) ......$20.00/$40.00
Continental U.S. only, additional vendor fees apply to International and Offshore addresses
Payment by Telephone Fee (ACH Origination-Expedited Payment) ..$10.00
Research / Balancing Fee ...............$20.00 per hour, 1/2 hour minimum
Returned Item Fee (NSF Check or ACH) .......................................$32.00
                         Non-Sufficient Funds (NSF), Uncollected Funds; Overdrawn Account
Returned Mail Fee ......................................................................$5.00
Safe Deposit Box - Available in select locations, visit our website for a location near you.
  Annual Rental Fee – 3” x 5” Box .........................................$33.00
  Annual Rental Fee – 3” x 10” Box .......................................$55.00
  Annual Rental Fee – 5” x 10” Box .......................................$70.00
  Annual Rental Fee – 10” x 10” Box ...................................$105.00
  Drilling Fee, Key Deposit, Lost Key Fee .....$100.00/$5.00/$25.00
Share Account Monthly Service Fee.......................$5.00 per month
                For Total Average Monthly Balance of All Share Accounts Less Than $300.00
Signature Endorsement Guarantee Fee ..................................$5.00
Statement Copy Fee Sign up for eStatements today at www.ibmsecu.org .. $6.00
Stop Payment Fee (ACH or Check) ..............................................$30.00
Temporary Check Fee (Existing Account) ................ $3.00 for 10 checks
Travelers Check Fee ..............................................$1.00 per $100.00
VISA Gift Card Fee** ($10.00 - $1,000.00) ............................................$3.95
VISA Reloadable Card Fee** ($20.00 - $3,000.00) .........................$3.95
Wire Funds Transfer
   Domestic - Incoming Fee / Outgoing Fee ............................$10.00 / $18.00
    International - Incoming Fee / Outgoing Fee .....................................No Fee / $60.00
*Special  Order  Item,  Advance  Notice  Required.  **Additional  vendor  fees  may  apply  to  VISA 
Gift/Reloadable  Cards.  Please  refer  to  our  Membership  Disclosure  for  details  on  terms  and 
conditions.  Some  fees  may  be  waived  or  reduced  with  REWARDS  program,  see  website 
for  details.   Please  refer  to  a  current  loan  disclosure  and  credit  card  agreement,  for  non-
real  estate  Consumer  Loan  and  VISA  Credit  Card  fees,  terms,  and  conditions.   For  more  
information,  please  visit  our  website  at  www.ibmsecu.org,  or  contact  the  Credit  Union  at 
800.873.5100, 561.982.4700 or serviceplus@ibmsecu.org.

Federally Insured by NCUA 
A435