Fees

CHECKING FEES

QClassic Checking Maintenance Free

QChoice Checking Maintenance

 Applies when requirements to this account are not maintained.

$10.00/month

Checking Rewards Maintenance

Applies when requirements to this account are not maintained.

$10.00/month
Club/Association Account Maintenance $5.00/month

 

SAVINGS FEES

HighQ Savings Maintenance

   Applies when eStatements are not maintained.

$10.00/month
Basic Savings, Name Your Own Savings, MMAs, Term Accounts, Holiday Club Accounts Free
Early Withdrawal Penalties
   2-11 Month Term Accounts Dividends earned, not to exceed 90 days
   12-60 Month Term Accounts Dividends earned, not to exceed 180 days
   Holiday Club Account $15.00
   IRA (Under age 59-1/2. IRS penalty will also apply) $25.00
   All Outgoing Transfers or Rollovers $25.00

 

CHECKING & SAVINGS SERVICES FEES

ATM Card or Debit Card First 2 free, then $10.00
Replacement Cards First, free; then $10.00
ATM Withdrawals First 10, free; then $2.00
Daily Maximum Withdrawal Limit - ATM Card $500.00
Daily Maximum Withdrawal Limit - Debit Card $1,000.00
Verification of Deposit $15.00
Cashier Checks $5.00
Stop Payment Order (Check or Electronic Transfers) $25.00
Stop Payment Order of a Quorum Withdrawal Check $15.00
Copy of Personal Check $10.00
Check Copy Person-to-Person $10.00
Non-Member Check Cashing $3.00
Photocopy of Quorum check $5.00
Returned Checks $25.00
Paid NSF Fees (per transaction)
   Courtesy Pay Fee/Negative Balance $37.00
   Overdraft Transfer from Savings $20.00
   Check or ACH Debit Returned (Insufficient Funds) $37.00

 

CREDIT CARDS

Quorum Cash Advance

Finance charge assessed from the day of cash advance to the day of full payment.

2% ($5.00 min/$25.00 max)
Returned Payment Fee Up to $25.00
Late Payment Fees
   Minimum Payment of $25.00 Or More $25.00
   Minimum Payment of $10.00 To $24.99 $10.00
Replacement of Credit Card First free, then $10.00

 

LOANS​

Late Payment $25.00
Duplicate Lien Release $25.00
Private Education Line-of-Credit
   Application Fee Free
   Late Payment 5% of the payment due
   Non-Sufficient Funds (NSF) $20.00

 

FIRST MORTGAGES & HOME EQUITY LOANS/LINE OF CREDIT (LOC)

Application Fees
   First Mortgage anc Co-Op Loan Application $295.00
   Flex Lock 0.25%
HELOC Origination Fee $495.00
Late Payment Varies
Appraisal (First Mortgage, HELOC, and Home Secured) Varies
Closing Costs (Home Equity Loans) Varies
Subordination Agreement Fee $75.00
Preparation and Recording of Satisfaction (Home Equity Loans) $50.00
Flood Certification (First Mortgage and HELOC) $15.00
Credit Report Fee (First Mortgage) $22.13/$24.14 (single/joint)
Tax Service Fee Varies - begins at $61.00
Modification $225.00
Trust Agreement Variable - begins at $150.00
Verification of Mortgage $15.00

 

CONVENIENCE FEES

Bill Payment Check Copy $10.00
Bill Payment Stop Payment $25.00
Wire Transfer
   Incoming Free
   Outgoing Domestic Wire Transfer $20.00
   Outgoing International Wire Transfer $45.00
Miscellaneous Fees
   Abandoned Property Processing $100.00
   Invalid Address/Returned Mail $2.50/month
   Statement Copy $10.00
   Mid-Cycle Statement History $10.00
   Photocopy of Quorum Check $5.00
   Dormant Account $5.00
   Notarization Free
   Signature Guarantee Medallion Free
   Foreign Item Collection $30.00
   Research/Special Correspondence Fee  $20.00/hr. ($20.00 min.)
   Subpoena/Restraining Notice/IRS Levy $100.00
Overnight Mail
   Domestic $15.00
   International $25.00
   Saturday Delivery Add $5.00
HELOC and Medical Loan Payment Service Fees
   Recurring Payments Free
   One-time Payment via Loan Payment Portal  $1.95
   One-time Payment via Automated Telephone Service $1.95
   One-time Payment via Member Service $9.95