IBM Southeast Employees’ Federal Credit Union
MEMBERSHIP FEE SCHEDULE
Effective September 29, 2009
AmEx Gift Cheques ..........................................................$2.50
AmEx Travelers Cheques & Cheques For Two ... $1.00 per $100.00
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 ....................$2.00
Check Card
  Card Replacement Fee .................................................$5.00
  Check Card Transaction Fee ....................................No Fee
  Non-Credit Union ATM Transaction Fee .....................$1.50
  Personal Identification Number (PIN) Replacement Fee ..$3.00
  Point of Sale (POS) Transaction Fee .......................No Fee
  Rush PIN Request Fee ...............................................$20.00 
  VISA International Service Assessment (ISA) Fee .... 2.00%

  of U. S. Dollar Amount

Check Copy Fee ................................................................$2.50
Check Printing Fee .........Determined by style of checks ordered
“Checking Plus” Per Check Fee (First three (3) per month
  at no charge) ..................................................................$2.00
Cleared Check Images on Computer Disc (CD) * ........$30.00
Courtesy Clearing Fee (Check Clearing or ACH Repost Debit) ..$22.00
(Check / ACH insufficient funds, cleared with transfer from another account or same day deposit)
Credit Union Service Center (CUSC) Transaction Fee ....No Fee
(Certain CUSC fees may apply for Negotiable Instruments, Money Orders and Official Checks)
Deposited Item Returned Fee ........................................$10.00
Deposited Item Returned From Self Fee ......................$30.00
Dormant Account Fee (Per Savings & Checking Account) .....$15.00 per month
(For Inactive Accounts with No Monetary Transactions After One (1) Year)
Foreign Currency Bank Notes * ...1.00% of purchase, $5.00 minimum
Foreign Currency Check Collection Fee .....$15.00, plus vendor fees
Foreign Currency Draft * ................................................$15.00
Foreign Currency Travelers Cheques * .....1.00% of purchase
Grand Checking Minimum Balance Violation Fee ... $9.00/month
(For Minimum Daily Balances of Less Than $1,000.00)
Health Savings Account (HSA)
  Closure and / or Transfer Fee ....................................$25.00
  Overdraft Fee ................................................................$3.00
  Overdrawn Fee ...........................................................$30.00
  Per Check Fee (First Three (3) Checks Cleared Per Month at No Charge)..$2.00
Interim Statement Fee ..................................................... $5.00 
Item Deposited/Special Handling Fee (Collection Item/3rd Party Check) ..$15.00
Legal Research Fee .........$100.00 per hour, 1/2 hour minimum
Medallion STAMP, Notary & Signature Guarantee Fee ...up to $5.00 per service
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 Orders ($999.99 maximum) ..................................$4.00
Official Check ....................................................................$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
Insufficient / Uncollected Funds Fee ........................$30.00
  Monthly Service Fee ..................................................No Fee
  Remote Bill Scanning and Presentment Fee .............$1.00
  Research Fee ..............................................................$25.00
  Stop Payment Fee ......................................................$25.00
  Transaction Fee .........................................................No Fee
Opportunity Checking Application Fee ........................$20.00
Overdraft Privilege Program Fee (ODP) .......................$30.00
Overdraft Transfer Fee .....................................................$3.00
Overnight Delivery Fee (Weekday/Saturday) .....$20.00/$40.00
Payment by Telephone Fee (ACH Origination) ................$7.00
Research / Balancing Fee ..... $20.00 per hour, 1/2 hour minimum
Returned Item Fee (NSF Check or ACH) ........................$30.00
(Insufficient / Uncollected Funds; Overdrawn Account)
Returned Mail Fee (USPS returns) ...................................$5.00
Safe Deposit Box - Available in select locations.  Visit our Web site for a location nearest 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 ................................................................$100.00
  Key Deposit ...................................................................$5.00
  Lost Key Fee ...............................................................$25.00
Share Account Monthly Service Fee............. $5.00 per month
(For Total Average Monthly Balance of All Share Accounts Less Than $300.00)
Statement Copy Fee .........................................................$5.00
Stop Payment Fee (Check or ACH) ................................$25.00
Temporary Checks (Existing Account) ....... $3.00 for 10 checks
Wire Funds Transfer Fee - Domestic - Incoming ............$10.00
Wire Funds Transfer Fee – Domestic/International - Outgoing ...$18.00/$40.00
VISA Gift Card ** ($10.00 – $1,000.00) .............................$3.95
VISA Reloadable Card ** ($20.00 – $3,000.00) .................No Fee
*Special  Order  Item,  Advance  Notice  Required.  **Additional 
vendor fees may apply to VISA Gift/Reloadable Cards. Please 
refer  to  “Important  Information  for  Our  Members”  for  full  dis-
closure  of  account  terms  and  conditions.  Some  fees  may  be 
waived  or  reduced  with  REWARDS  program,  see  website  for 
details. Please refer to “Your Loan Disclosures” and “Loan Fees 
& Service Charges“ for Loan and VISA terms, and conditions. 
For more information, please visit www.ibmsecu.org or contact 
us at 800.873.5100, 561.982.4700 or serviceplus@ibmsecu.org.

NCUA

A435