Fee Schedule

Fee Schedule

All Accounts

Statement Copy $3.00 per copy
Returned Statement - due to incorrect address $5.00 per statement
Closing any New Account (180 days) $25.00 per account
Account History $3.00 per report
Account Research $20.00 per hour
NSF Pre-authorized Debit $30.00 per item

Share Draft (Checking) Account Fees

Basic Checking NO monthly fee
Bill Pay FREE**
**INACTIVE Bill Pay (no bills paid within the month) $5.95 per month
Insufficient Funds (NSF) Fee $30.00 per item
Overdraft Courtesy Fee $30.00 per item
Overdraft Transfer Fee $5.00 per item
Copy of Share Draft (check) $5.00 per item
Stop Payment Fee $30.00 per check
Account Reconciliation $20.00 per hour

Business Account Fees

Savings Account Deposit (15 free per month) $0.10 per item
Basic Business Checking No monthly service fee
Basic Business Checking - Deposit or Withdrawal (25 free per month) $0.50 per item
Rising Tides Business Checking $5.00 per month
Rising Tides Business Checking - Deposit or Withdrawals (50 free per month $0.11 per item
Bill Pay (unlimited bills per month) $5.95 per month
Merchant Capture $30.00 per month
Bulk Deposit Bag $0.20 per bag

Other Account Fees

Regulation D - overlimit or NSF due to Reg. D limit $30.00 per item
Return Item Fee $15.00 per item
Wire Transfer Fee (outgoing) $25.00 per transfer
Incoming Domestic & Foreign Wire $ 5.00 per transfer
Wire Transfer Fee (recurring) $6.00 per transfer
Wire Transfer Fee (international) $50.00 per transfer
Western Union (domestic) $30.00 per transfer
Western Union (international < $500) $50.00 per transfer
Western Union (international > $500) $50.00 per transfer - plus 2.25% of principal wire
Share Inactivity Fee (dormant more than 365 days) $5.00 per month
Money Order Fee (one free per day) $2.00 per additional
Copy of Money Order/Teller Check $5.00 per each
Teller Checks (one free per day) $2.00 per additional
Fax Fee $3.00 per fax
Photocopies $0.25 per page
Account Setup with Online Banking - not receiving eStatements $2.00 per statement
Levies/Garnishments/Writs/Summons $50.00 processing fee

Card Fees

VISA Check Debit Card
FREE (Card Issue / PIN Change)
$5.00 INSTANT Card Issue (available in branch)
VISA Gift Card $5.00 per card

ATM Transactions

Atlantic Regional ATM Terminal FREE
SurF Network - Surcharge-Free Network FREE
Other ATM Terminal - *Certain ATM terminals may assess a usage fee. NO Atlantic Fees

Safe Deposit Box & Night Drop

3" x 5" Box $25.00
3" x 10" Box $40.00
5" x 5" Box $35.00
5" x 10" Box $65.00
10" x 10" Box $110.00
Drilling Safe Deposit Box $75.00
Lost Safe Deposit Box Key $10.00
Night Drop Keys 1st Key FREE ($5.00 per add'l replacement key)

Real Estate

Partial Release of Real Estate $250.00 minimum
Subordination Request - excluding ARFCU portfolio mortgage $200.00 each request
Insufficient Funds (NSF) Home Equity Checks $20.00 per item
Loan Modification Fee

Closed-end Home Equity Loans

$250.00 per modification

* Certain ATM terminals may assess a usage fee

** Inactive Bill Pay (failure to pay at least one bill per month) will incur a $5.95 monthly fee.