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.

$5.00/month
Basic Savings, Name Your Own Savings, MMAs, Term Accounts, Holiday Club Accounts Free
Early Withdrawal Penalties
2-11 Month Term Accounts 1% of amount withdrawn never to exceed original principal balance
12-24 Month Term Accounts 2% of amount withdrawn never to exceed original principal balance
25 Month + Term Accounts 3% of amount withdrawn never to exceed original principal balance
Holiday Club Account $15.00
IRAs (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 per month Free
ATM Withdrawals – After first 10 $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
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 and 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
*If originated through any other channel including but not limited to over-the-phone banking and in branch a $10 surcharge per transfer will apply.
Loan Payment Service Fees
Recurring Payments via Loan Payment Portal and ACH 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
Return of a Check You Deposited $25.00
Abandoned Property Processing $100.00
Invalid Address/Returned Mail $2.50/month
Statement Copy $10.00
Mid-Cycle Statement History $10.00
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