Fees
| Account Type | EveryDay Checking | Earn More Checking |
| Maintenance Fee | $5.00 per month (if eStatements or direct deposit threshold is not maintained) |
$10.00 per month (if minimum balance, eStatements, and direct deposit threshold
is not maintained)
|
| Non-Sufficient Funds Fee | $29.00 per submission | $29.00 per submission |
| ACH & Returned Item Fee | $29.00 per submission | $29.00 per submission |
| Stop Payment Fee | $29.00 per request | $29.00 per request |
| Overdraft Transfer Fee | $2.00 per item | $2.00 per item |
| Share Draft Printing Fee | Depends on the style. | Depends on the style. |
| Account Type | Classic 55 Checking | Teen Checking |
| Maintenance Fee | $2.00 per month (if eStatements or direct deposit threshold is not maintained) |
None
|
| Non-Sufficient Funds Fee | $29.00 per submission | $29.00 per submission |
| ACH & Returned Item Fee | $29.00 per submission | $29.00 per submission |
| Stop Payment Fee | $29.00 per request | $29.00 per request |
| Overdraft Transfer Fee | $2.00 per item | $2.00 per item |
| Share Draft Printing Fee | Depends on the style. | Depends on the style. |
| Account Type | Regular Share Draft Checking | Free Checking |
| Monthly Draft Account Fee | $4.00 per month (If balance falls below $350.00) | None |
| Non-Sufficient Funds Fee | $29.00 per submission | $29.00 per submission |
| ACH & Returned Item Fee | $29.00 per submission | $29.00 per submission |
| Stop Payment Fee | $29.00 per request | $29.00 per request |
| Overdraft Transfer Fee | $2.00 per item | $2.00 per item |
| Share Draft Printing Fee | 1 box FREE with Direct Deposit to personal account (per year) | Depends on the style. |
| Account Type | Business Checking |
| Monthly Fee | $5.00 per month (if both minimum balance and e-statements are not maintained) |
| Transaction Fee | $0.10 per teller-based transaction (in excess of 50 per month - $30.00 maximum) |
| Non-Sufficient Funds Fee | $29.00 per submission |
| ACH & Returned Item Fee | $29.00 per submission |
| Stop Payment Fee | $29.00 per request |
| Overdraft Transfer Fee | $2.00 per item |
| Share Draft Printing Fee | Depends on the style. |
| Account Type | Christmas Club |
| Excessive Withdrawal Fee (2 free) | $2.00 per withdrawal (no fee between November 1st and December 31st) |
Additional Fees (applicable to all accounts)
| New Account Fee | $5.00 |
| Account Reconciliation Fee | $15 per hour |
| Account Research Fee | $15 per hour |
| Money Orders | $0.95 each |
| Corporate Drafts (less than $2000) | $5.00 each |
| Check Cashing Fee | $1.50 each |
| Draft Copies | $2.00 each |
| Telephone Transfer Fee | $1.00 per transfer |
| Free Share Account | $2.00 per transfer |
| Returned Mail Fee | $5.00 per item |
| Statement History Fee | $3.00 per request |
|
Fax Fee |
$3.00 first page ($1.00 each additional page) |
| Inactive Account Fee | $5 per month (after 1 year and account under $100) |
| Re-Opening Fee | $25 per occurrence if account re-opened within six (6) months of closing date. |
| Overdraft Privilege Fee | $29.00 |
Electronic Funds Transfer Fees
| IFCU ATM Withdrawal/Transfer | $0.00 | |
| ATM Foreign Machine User Fee | *$1.50 per transaction | |
| ATM Card Replacement Fee | $8 | |
| Preauthorized EFT Fees | ||
| Nonsufficient Funds Fee | $29 per submission | |
| Stop Payment Fee | $29 | |
| Online Bill Pay Fees | ||
| Nonsufficient Funds Fee | $29 per submission | |
| Stop Payment Fee | $29 |
Members are permitted unlimited transactions with their ATM or Check card on IFCU ATMs, regardless of their account balance.
*With a combined average balance of $1,000 or more on all your accounts under one (1) membership number used with your ATM or Check card, a member is permitted five (5) transactions per month on foreign machines without charge. All other foreign ATM transactions are $1.50 each.
With a combined average accumulated balance of less than $1,000 on all your accounts under one (1) membership number with your ATM or Check card, foreign ATM transactions are $1.50 each. One (1) withdrawal is counted as one (1) transaction.
NOTE: Five (5) balance inquiries equal one transaction
Lock Box fees (Per Year)
| 3”x5” | $15 |
| 5”x5” |
$25 |
| 3”x10” |
$35 |
| 5”x10” | $50 |
| 10”x10” | $75 |
Miscellaneous Fees
| Wire Transfer Fee (wire in) | $0.00 |
| Wire Transfer Fee (wire out) | $20.00 domestic – $40.00 international |
| Coin Machine Fee | No Fee for Member / 8% for Non-Member |
| Bulk Coin | $8.00 per box |
IRA Accounts
| IRA Closing Fee | $50.00 if closed within two years. Minimum balance is $500.00 if not on direct deposit. |
Credit Union Membership
| Member Share | $5.00 minimum deposit for your Membership Owner Account |
Please call (765) 771-8000 for more information regarding our rates & fees.