CONSUMER SCHEDULE OF FEES AND CHARGES(Does not include loan services) Effective November 1st, 2021 www.kinecta.org For more information, please refer to Kinecta Federal Credit Union's Agreements & Disclosures dated November 2021. |
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| GENERAL | |
| Check Cashing Fee Non-Members cashing items drawn on Kinecta Federal Credit Union |
$5.00 |
| Collection Items | |
| Incoming - Check/Item drawn against member's account, presented for payment via collection | $25.00 |
| Outgoing Domestic - (Any additional charges assessed by the paying institution will be deducted from proceeds) | $25.00 |
| Outgoing Foreign - (Any additional charges assessed by the paying institution will be deducted from proceeds) | $25.00 |
| Insufficient Funds Fees (Limit of 3 fees per day) | |
| Courtesy Pay Fee / Select Accept Fee - Items paid against insufficient/uncollected funds - Including, but not limited to, Checks, Debit Card Purchases, ACH, etc. - (per presentment) | $25.00 |
| NSF Fee - Items returned unpaid against insufficient/uncollected funds - Including, but not limited to: Checks, ACH, etc. - (per presentment) | $25.00 |
| Returned Deposited Items - (Deposited, Cashed, or Loan Payment) | |
| Not written by account holder | $12.00 |
| Written by account holder | $25.00 |
| Stop Payment Fee Regardless of how placed: written request, in person with a representative, via phone or Kinecta Phone Voice Response System, or through Kinecta Online Banking - Per Item *No fee applies when request is made via Online Banking. |
$20.00 |
| Wire Transfer Fees (Per Wire) | |
| Domestic - Outgoing | $25.00 |
| International - Outgoing | $50.00 |
| Cashier's Checks | $5.00 |
| Notary Services (Per Signature) Fees vary depending on state | |
| CA | $10.00 |
| NJ | $2.50 |
| NY | up to $2.00 |
| Medallion Signature Guarantee (Per Stamp) | $15.00 |
| Overnight Delivery Fee Fee established by Overnight Delivery Service |
Varies |
| Paper Statement Per statement mailed - Waived for members under 18 years of age, age 62 years and over, and VIP Program Members |
$2.00 |
| Temporary Checks (Per eight (8) checks) First 16 checks - no charge |
$4.00 |
| Verification of Deposit | $10.00 |
| Western Union Travel Emergency Service (actual fees established by Western Union) |
Varies |
| REGULAR SHARE ACCOUNTS | |
| Monthly Service Fee Fee waived with a $250.00 Regular Share Account average monthly balance, multiple accounts under the same member number; same primary owner is age 26 or under, primary owner is active duty military, OR first three months of a new account. |
$5.00 |
| INDIVIDUAL RETIREMENT ACCOUNTS | |
| IRA Trustee Transfer | $25.00 |
| IRA Closeout | $25.00 |
| CHECKING ACCOUNTS | |
|
Classic Checking Monthly Service Fee * Use of your Kinecta Credit Card one or more times during the last billing cycle, or carried a portion of your Kinecta Credit Card balance into the next billing cycle. |
$4.95 |
| Checking Plus Monthly Service Fee Fee waived in any month with: 1) $2,500 average monthly balance, or 2) direct deposits ≥ $500.00, or 3) during the first three months of a new account. |
$9.00 |
| Copy of Paid Check Retrieval and copy of paid check (Two (2) free per statement period) per item |
$3.50 |
| MONEY MARKET ACCOUNTS | |
| Excessive Transaction Fee * Applies to withdrawals or transfers to another Kinecta account of the same member or to a third party by means of preauthorized or automatic transfer, telephone order, internet, bill pay, online or mobile banking transfers or overdraft transfers that exceed six (6) in current month. * IRA and Roth IRA Money Market accounts excluded |
$10.00 |
| ATM AND CHECK/DEBIT CARD | |
| Rush Card Order | $25.00 |
| CO-OP Transaction Fees (CO-OP ATM Network) | No Charge |
| Non-Proprietary ATM Fees ** Transaction fees at ATMs not operated by Kinecta, and ATMs outside the CO-OP Network | |
Cash Withdrawals - Waived for Checking Plus |
$2.00 |
| Point of Sale (Network Usage) | No Charge |
| Merchant Surcharge - Look for disclosure at point of sale, or ask the merchant | Varies |
| Pass-through Charges - From other financial institutions (look for disclosure at point of sale) ** When an ATM not owned by the Credit Union is used, a fee may be charged by the operator or any network used, and you may be charged a fee for balance inquires even if the fund transfer is not completed. |
Varies |
| RESEARCH, COPIES & LEGAL ORDERS | |
| Record Research (Per Hour) | $24.00 |
| Copy of Deposited Item Retrieval and copy of deposited item (per item) |
$3.50 |
| Statement Copies (Per Statement} | $5.00 |
| Compliance with Legal Orders | |
| Minimum Billing | $15.00 |
| Labor (Per hour) | $24.00 |
| Documents (Per Copy) | $0.10 |
| Appearance at Hearing (Per Day) | $35.00 |
| Mileage (Per Mile) - Round trip | $0.20 |
| SAFE DEPOSIT BOXES | |
| Annual Fee | |
| 2" x 5" | $40.00 |
| 3" x 5" | $55.00 |
| 5" x 5" | $65.00 |
| 3" x 10" | $80.00 |
| 5" x 10" | $100.00 |
| 6" x 10" | $105.00 |
| 8" x 10" | $110.00 |
| 9" x 9" | $110.00 |
| 10" x 10" | $140.00 |
| Box Drilled Lost key, Legal, Non-payment of Fee/Abandoned (Credit Union designated locksmith required) |
$135.00 |
| Key Replacement (Per Lost Key) | $25.00 |
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