816 Elmwood Avenue Rear Buffalo, NY 14222 Phone: (716) 881-3767 Home Banking Loan Application

FEE SCHEDULE

(effective (09/01/2016)

New Member Capitalization Fee:* $15.00 / ea

Membership Acct Closing**

$12.50 / ea

Legal Documents Processing

$75.00 / ea

Incoming Domestic Wire

$5.00 / ea

Incoming Foreign Wire

$10.00 / ea

Outgoing Domestic Wire

$15.00 / ea

Outgoing Foreign Wire

No Longer Available

Cashier’s Check

$4.00 / ea

Foreign Check Deposit

$7.50 / ea

Returned Deposited Item

 $25.00 / ea

Non-machinable Item

 $5.00 / ea

ACH Research

$5.00 / ea

Paper Statement Fee

$1.00 / ea
Minimum Balance (if below minimum balance during quarter) $5.00 (last day of qrtr.)

Excessive Withdrawals (> 6 / Month)

$5.00 / ea

Insufficient Funds – NSF 

$30.00 / ea

Savings O/D Transfer$5.00 (last day of qrtr.)

Share Draft Image

$3.00 / ea

Non-standard Share Draft Image

$10.00 / ea

Stop Payment

 $20.00 / ea

Protest Letter

$20.00 / ea

Insufficient Funds – NSF

$30.00 / ea
Debit Card Set-up $6.00

Monthly Service Charge

$3.00

Rejected Charge-back

$20.00

Card Replacement

$25.00 / ea

ATM Cash Withdrawal Fee (deducted last day of month)

$1.75 / ea

VISA Foreign Currency (Currency Conversion)

1% of trx

VISA Foreign Currency (No Currency Conversion)

.8% of trx

Unblocking in Foreign Countries

$20.00 / ea trip

Self-selected PIN

$2.00 / ea

PIN Re-order

$2.00 / ea

Non Member Draft Fees

$5.00 / Monthly
Overdraft Loan Set-up $5.00

Real Estate Loan Application 

$500.00

Late Fee on Overdraft Loans

$15.00

Duplicate Lien release

$15.00 / ea

Late Fee on Consumer Loans

$20.00 / ea

Insurance Administration

(To force place collateral protection if insurance is not obtained or is allowed to lapse)

$50.00

Please note that fees may change periodically. Please feel free to call the office for any updated fees.

*Youth accounts are not subject to the new membership account fee.

**Fee to close an account is assessed if closed within 90 days of opening the account.

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