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 north orange county credit union

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 » schedule of fees & charges
Schedule of Account Fees & Service Charges 

Effective 05/15/08 

(All Fees Subject to Change)

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GENERAL ACCOUNT FEES
Membership Fee $5.00
Early Account Closure                        (within 90 days of opening) $10.00
Excess Withdrawal Fee (each) (applies to share savings withdrawals in excess of 4 per month, excludes those made by ATM or TellerPhone) $2.00
Telephone Transfers between Accounts
 »Transfers $300.00 or more FREE
 »Transfers under $300.00 $2.00
(excludes transfers done by ATM or TellerPhone)

Below Minimum Balance Fee 

(per month) (applies to regular share and money market accounts if the balance drops below minimum during the month)

$2.00
TellerPhone Transactions/Inquiries FREE
Account History/Interim Statement $2.00
Statement Copy $4.00
Dormancy Notice $2.00
Locator Charge (bad address) $2.00

Returned Check 

(Deposit, loan payment, etc.)

$10.00
Stop Payment on any check issued by CU $15.00
Photocopy of any check issued by CU $5.00
Photocopy of any check deposited at CU $5.00
SHARE DRAFT (CHECKING) FEES

Returned Draft Fee 

(NSF or other reasons)

$23.00
Overdraft Fee (Paid NSF) $23.00

Overdraft Transfer Fee 

(from share or loan)

$3.50

Stop Payment Order 

(Original or Renewal) (includes check, pre-authorized paper draft, or pre-authorized electronic payment)

$15.00

Photocopy of Draft 

(2 free per statement cycle)

$2.00
 »Special Rush Order $5.00
Counter Checks (per pack) $5.00
Check Printing Varies
Monthly Fees:
 »Preferred Checking FREE
 »Dividend Checking* $6.00
*(Monthly Fee waived with $600 minimum balance)
IRA ACCOUNT FEES
Annual Trustee Fee FREE
Outgoing Transfer Fee $25.00
ACH (Electronic Deposits/Withdrawals)
ACH NSF Fee $23.00
Overdraft Fee (Paid NSF) $23.00
Overdraft Transfer (from share or loan) $3.50
Stop Payment/Revocation $15.00
Outgoing Transfer Fee $25.00
ATM

Monthly Fee 

(Waived with Checking Access)

$1.00
Card Issuance Fee FREE
NOCCU ATM - 230 W. Wilshire Ave. Fullerton, CA
 »All Transactions/Inquiries/Denials FREE
Instant Teller or Exchange Networks
 »Per Transaction $.65
 »Per Inquiry/Denial $.25
Cirrus Network
 »Per Transaction $1.00
 »Per Inquiry/Denial $.50
American Express Dispenser
 »Per Cash Transaction $1.00
 »Per Traveler's Cheque Purchase* $1.00
*($1.00 plus 1% of Purchase)
Point of Sale Networks (POS) (currently includes INTERLINK & ARCO PayPoint)
 »Per Transaction/Denial FREE
Overdraft Fee $23.00
Overdraft Transfer (from share or loan) $3.50
Replace Lost/Stolen/Damaged Card or PIN $5.00
Deposit Adjustment at non-NOCCU ATM $8.00
OTHER FEES

Credit Union Check 

(Special Payees Only)

$2.00
Cashier's Check $5.00
Money Order $2.00
Travelers Checks-Standard 1% of Purchase
Account Research/Reconcilement (per Hour) (Minimum 1 Hour, Billed in 1/4 Hrs.) $15.00
Compliance with Legal Process (Per Hour) (Plus $.25 per copy, plus costs) $15.00
Levy/Garnishment Processing $25.00
Special Request/3rd Party Notification Letter $5.00
Outgoing Wire Transfers 
 »Domestic $20.00
 »International $40.00
Collection Letters
 »Outgoing $5.00
 »Incoming $10.00
 »Foreign (Plus Costs) $25.00

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North Orange County Credit Union 

230 W. Wilshire Avenue, Fullerton, CA 92832

Mail: P.O. Box 4179, Fullerton, CA 92834

Office Hours:  9:30 a.m. - 5:30 p.m. Monday - Friday

         Online Privacy Policy     Telephone:   (714) 871-8400          

TellerPhone:  (714) 871-8655

 
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