Quorum Federal Credit Union: Checking Rates & Fees

CHECKING RATES
Printable Rate Sheet

	TERM	RATE TYPE	MINIMUM BALANCE	DIVIDEND - ANNUAL PERCENTAGE YIELD	DIVIDEND RATE
Checking Plus Account	n/a	Variable	$1,500	0.25%	0.25%
Checking Rewards Account	n/a	Variable	None	2.50%	2.47%


Checking Fees
	Checking Accounts	Overdraft Protection	Checking Services

CHECKING FEES
Printable Fee Schedule

CHECKING ACCOUNTS
Regular Checking Account	Free
Checking Plus Account (balance below $1,500)	$5.00 / month
Checking Rewards Maintenance Fee (applies only when direct deposit and online statements are not maintained)	$5.00 / month
Club / Association Account	$5.00 / month
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OVERDRAFT PROTECTION
Courtesy Pay - May cover Electronic Transfers (ACH/BIll Payment and Electronic Conversions), Checks, ATM/POS and Visa Check Card transactions. Refer to Courtesy Pay Disclosure for Terms & Conditions.	$35.00
Overdraft Transfer from Savings - Automatic	$10.00
Overdraft Transfer from Savings - Manual	$30.00
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CHECKING SERVICES
Online Banking	Free
Online Bill Payment	Free
- Bill Payment Re-Application	$5.00
- Bill Payment Check Copy	$10.00
- Bill Payment Stop Payment	$20.00
- Bill Payment Year-End CD	$25.00
ATM/Check Card	2 Free per account
Additional ATM/Check Cards	$10.00 / each
Replacement of ATM/Check Card	First Free, then $10.00
Replacement of ATM/Check Card PIN - Mailer	First Free, then $10.00
Replacement of ATM/Check Card PIN - Person-to-Person	$25.00
ATM/Check Card PIN Transactions
- First 10/month	Free
- After first 10	$1.25 / each
Check Card signature-based transactions (unlimited)	Free
Check Card MaximumATM Withdrawal Limit Per Day	$500.00
ATM Card Withdrawal Limit Per Day	$300.00
CURewards	Free
Direct Deposit	Free
Return of Item You Deposited	$25.00
Verification of Deposit	$15.00 per request
Certified/Cashiers Checks	$5.00
Stop Payment Order (Check or ACH)	$20.00
Check or ACH Debit Returned	$25.00 / item
Negative Balance	$35.00 per occurrence
Temporary Replacement Checks (minimum 10)	$10.00
Copy of Personal Check
- Online Check Copy (unlimited)	Free
- Check Copy Person-to-Person	$10.00 / each
Non-Member Check Cashing	$3.00
Western Union Money Transfer	Varies
Wire Transfer
- Incoming	Free
- Outgoing Domestic - Online	$15.00
- Outgoing Domestic - Person-to-Person	$25.00
- Outgoing International - Online	$35.00
- Outgoing International - Person-to-Person	$50.00
- Recurring Wire Transfer	$5.00
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Convenience Services

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