Riverfront Federal Credit Union

Fee Schedule

RIVERFRONT FEDERAL CREDIT UNION
SCHEDULE OF RATES AND FEES

It is our credit union's philosophy to provide a full-line of financial services. These services are generally offered at little or no cost. Occasionally due to costs incurred by the credit union in providing a service, it is necessary to pass along some of the cost to the member. When this occurs, management considers the cooperative nature of the credit union upon which it was created.

SAVINGS ACCOUNTS
Membership fee	$3.00
Closing account within 6 months of opening	$20.00
Account balance under $50 minimum after 3 months notice	$5.00 per month

CHECKING AND MONEY MARKET ACCOUNTS
Overdrawing your account	$25.00 per item
Item returned for insufficient funds	$25.00 per item
Check stop payment: ● One ● Series	$7.50 $15.00
ACH debit stop payment	$5.00
Initial order of checks	FREE
Check reorder	Varies depending on style
Check copies (12 free per year)	$2.00
Certified draft	$4.00
Account reconciliation	$15.00 per hour

RIVERFRONT ATM AND MASTERMONEY DEBIT CARDS¹

MasterMoney debit card monthly service fee

FREE

ATM card monthly service fee:

● Any account with total credit union funds on deposit of $250 or more², with a loan at Riverfront or with a Riverfront Visa card

● All other accounts

FREE

$4.00

Withdrawal under $25 at an ATM³

$0.75

Each withdrawal made over 6 in a month at an ATM³; over 10 in a month at an ATM for members in the Yes$ program³

$0.75

Balance inquiry³

$0.25

Each withdrawal and transfer made at an ATM where the transaction is routed by the ATM owner through the PLUS Network

$1.50

Card reissue fee and card replacement fee, including a card ordered to change your PIN. The reissue fee is not applicable to members in the Mature Advantages program

$2.00

Returned item deposited at a foreign ATM

$5.00

International transaction fee

Actual cost incurred by RFCU

¹When you use an ATM not owned by Riverfront, you may be charged a fee by the ATM operator or by the ATM network through which the transaction is routed.

²Total credit union funds on deposit is the total of all balances in share accounts (savings, club accounts, money market accounts, etc.), checking account and certificates at the end of the month.

³ Transactions performed using a Riverfront ATM or debit card at an ATM owned by Riverfront are not subject to these fees.

BONUS SHARE ACCOUNT
More than 1 withdrawal or outgoing transfer per month	$25.00 each

VISA
Lost/stolen card	$20.00
Express mail service of new card	$18.00
Returned check⁴	$10.00
Late payment⁴	$10.00
Copy of charge slips	$2.50
Temporary credit increase	$10.00
International transaction fee	Actual cost incurred by RFCU
⁴Fees do not apply to Visa credit cards issued under our Yes$ program for young adults.

LOANS
Cancellation fee	$5.00 plus costs incurred by RFCU
Credit report (individual)	$6.00
Credit report (joint)	$8.00
Late charge - consumer loan (10 days after payment due date)	3% of scheduled loan payment
Late charge - dealer direct auto loans (10 days after payment due date)	2% of scheduled loan payment
Refinance	$50.00 or 1% of balance refinanced, whichever is higher, maximum $100.00
Home equity loans: ● Property search ● Flood certification ● Property valuation ● Mortgage satisfaction ● Mortgage filing	Actual cost incurred by RFCU
Express line of credit advance less than $50	$5.00
Home equity line of credit advance less than $250	$10.00
Application for duplicate car title	$35.00
Note: The credit union may waive certain loan fees under the conditions set forth under Loan Guidelines or upon approval by the President/CEO for loan promotions.

PAY DIRECT (Electronic Bill Payment Service)
Monthly service fee	$4.95
Check copy	$7.00
Stop payment	$10.00
Overnight carrier delivery charge per item	$15.00
Research fee for items over eight (8) months old	$25.00

DIAL DIRECT (Automated Telephone Access Service)
Each call made in excess of 12 per month	$0.75

MISCELLANEOUS
Overdrawing your account	$25.00 per item
Item returned for insufficient funds	$25.00 per item
Check stop payment: ● One ● Series	$7.50 $15.00
ACH debit stop payment	$5.00
Cashing non-member's payroll check(s)	$3.00 per check
Special deliveries (Airborne, UPS, Federal Express, etc.)	Actual cost incurred by RFCU plus $2.00
Incoming wire transfers	FREE
Outgoing wire transfers: ● Domestic (inside United States) ● International (outside United States)	$17.00 Actual cost incurred by RFCU plus $5.00
Western Union transfers: Domestic (inside United States) and International (outside United States)	Actual cost incurred by RFCU plus $5.00
Process IRS levy	$40.00
Money orders	$1.00
Returned deposit item	$5.00
Non-member account maintenance fee	$5.00 per quarter
Unclaimed property (Escheat) fee	$50.00
Copies of statements	$1.00 per periodic statement
Fax transmissions and receptions (Charge is for members fax requests not associated with credit union business)	$2.00 first page $1.00 each additional page
Post office notification of incorrect address (Fee charged when credit union is notified by post office of an incorrect address)	Actual cost incurred by RFCU
Travelers checks fees: ● Basic travelers checks ● Checks for two ● Gift checks	FREE $1.00 for every $100.00 $1.75 per check
Delivery fee for travelers checks purchased through the Travel Funds Direct Program	Actual cost incurred by RFCU plus $2.00

NEGATIVE BALANCES
Deficiency balance is due and payable immediately. Members causing a negative balance to occur in any of their accounts are responsible to pay all costs incurred by the credit union in collecting such indebtedness including attorney's fees of 20% of the balance due or such greater amount as may be reasonable and just, including those costs, expenses and attorney's fees incurred in an appellate proceeding.

PHOTOCOPIES
The credit union will provide ten (10) free photocopies per day to members. Photocopies in excess of ten (10) per day will be charged at the rate of $.10 each. Requests from non-profit organizations will be reviewed by management on an individual basis.

Note: This fee schedule is accurate as of February 1, 2013 and is subject to change. Contact the credit union for a current schedule.