Fees

Are you "fee'd" up with fees? We'll take a look at your account and advise you how to avoid certain fees.

Share Draft Service Charges

    2016 Fees   2017 Fees**

Free Checking
No minimum balance, no monthly service charges, no limits on check writing

  Free   Free

1st Rate Checking
Failure to maintain $5,000 average daily balance during calendar month

 


$10.00*

 


$10.00*

Deposit items over 125 per month   $0.20* each   $0.20* each
Checks written over 125 checks per month   $0.20* each   $0.20* each


Note: The following items pertain to both Free and 1st Rate Checking Accounts

Non-sufficient funds (NSF) return   $28.00 per item   $28.00 per item
Overdraft (each debit or check paid)   $28.00 per item   $28.00 per item
Point of Sale (POS) and ATM overdrafts   $28.00 per item   $28.00 per item
MICR unreadable drafts (not ordered through Dupaco)   $28.00 per item   $28.00 per item
Stop payment   $28.00* per item   $28.00* per item
Stop payment—ACH   $28.00* per item   $28.00* per item
Check printing fees   Prices vary by style   Prices vary by style
Account reconciliation fee   $25.00* per hour   $25.00* per hour
Temporary drafts (first 10 free)   $1.00*   $3.00*
Share draft registers   No charge   No charge
Abandoned account fee (unclaimed share fee before escheating to the state)   No charge   $50.00
         

Savings & Money Market Service Charges

Savings account transfers/withdrawals exceeding six per month per account. Minimum transfer of $100 to available limit. Does not apply to checking accounts. (Per Regulation D, transfers/withdrawals considered include: Online, Presto, and telephone requests, overdraft transfers, ACH withdrawals, and periodic payments. Does not include transfers for loan payments, ATM withdrawals or in-person transactions.)   $3.00 each   $3.00 each
IMMA/Investor's Choice transfers/withdrawals exceeding six per month. Minimum transfer of $250 to available limit. (Per Regulation D, transfers/withdrawals considered include: Online, Presto, and telephone requests, overdraft transfers, ACH withdrawals, and periodic payments. Does not include transfers for loan payments, ATM withdrawals or in-person transactions.)   $5.00 each   $5.00 each
         

Term Share Certificate Penalties

       
Early withdrawal (term 12 months or shorter)   Full term loss of interest   Full term loss of interest
Early withdrawal (term longer than 12 months)   12 months loss of interest   12 months loss of interest
         

IRA Service Charges

       
Annual fee   None   None
Closing (if under age 59-1/2)   $25.00   $25.00
External transfer (if under 59-1/2)   $25.00   $25.00
         

Teller and Cash-Handling Service Charges

Check-cashing fee (savings account only)   $1.00 each   $1.00 each
Returned deposited item (business only)   $5.00   $5.00
Printed copy of transaction history (per account, per request)   $1.00* each   $1.00* each
Special statement handling   $3.00* each   $3.00* each
Undeliverable statement/address correction   $5.00*   $5.00*
Money orders   $3.00 each   $3.00 each
Certified draft   $3.00* each   $3.00* each
Official Dupaco check (members)   $3.00 each   $3.00 each
Official Dupaco check (non-members)   $5.00 each   $5.00 each
Wire transfer incoming   $5.00 each   $5.00
Wire transfer outgoing (domestic)   $20.00 each   $20.00 each
International wire transfer   $50.00 each   $55.00 each
Foreign currency withdrawals/deposits (price varies/includes Canadian checks)   $20.00–$30.00   $30.00
Account closed prior to six months from open date   $25.00   $25.00
Dormant account (Dupaco closes, sends check)   $25.00   $25.00
Membership—reopening within six months of closing   $25.00   $25.00
Presto/periodic payments   $.50 each   $0.50 each
Telephone check withdrawal handled by staff   $2.00*   $2.00*
Telephone transfer handled by staff   $2.00*   $2.00*
Staff-assisted balance inquiry by phone exceeding eight inquires per month   $2.00* each   $2.00* each
Self-service coin counting (non-members or if funds not deposited)   5% of total*   5% of total*
Rolled coin   $0.10 per roll   $0.10 per roll
         

VISA and Money Card Service Charges

ATM/Money Card transactions at Dupaco-owned ATMs  
FREE
  FREE
Non-Dupaco ATMs over eight transactions per month  
$0.50* each
  $0.50* each
Immediate VISA credit availability update   $5.00   $5.00
VISA late-payment fee  
Up to $15.00 or the minimum payment due, whichever is less, if you are 4 or more days late
  Up to $15.00 or the minimum payment due, whichever is less, if you are 4 or more days late
Replacement fee for ATM/debit and credit cards  
$10.00*
  $10.00*
Rush fee for ATM/debit and credit cards   $50.00*   $50.00*
Copy of receipt or VISA statement  
$11.00
  $11.00
Cash advance fee from VISA—1.5% of advance amount. Minimum cash advance amount $100 to available limit. (Min. $3 fee–Max. $15 fee)  
1.5% of advance
 
1.5% of advance
Foreign transaction fee  
1% of foreign transaction amount
  1% of foreign transaction amount
Stop payment on VISA credit card  
No charge
  $30.00
         

Online Bill Pay Service Charges

Per bill paid or attempted to pay (Free when you meet and maintain $1,500 in total deposits or total loans at Dupaco AND are signed up for e-statements)   $0.50*   $0.50*
Mobile Deposit   $0.99*   Free
Stop payment (Online Bill Pay-issued check)   $28.00* per item   $28.00* per item
         

Safe Deposit Box Service Charges

Box rental (debited from credit union account on anniversary date)   Varies by box size   Varies by box size
Lost key replacement   $100.00*   $100.00*
Drill box open   $175.00   $175.00
         

Copy and Fax Service Charges

Document copy   $0.25* per page   $1.00* per page
Printed copy of statement   $2.00* each   $1.00* each
Fax (inside continental U.S.). Calls outside the U.S. will be charged standard fee plus long-distance charges.   $5.00 per page   $5.00 per page
Notary Service (non-members)   $5.00   $5.00
         

Other Service Charges

Garnishment   $50.00   $50.00
Account research (request for information beyond six months)   $25.00 per hour   $25.00
Signature Guaranteenon-member and Dupaco Financial Services transactions   $15.00 each   $15.00 each
Dupaco deposit zipper bag   $3.00   $3.00
Business self-inking stamp   $16.00*   $16.00*
Business rubber stamp   $9.00*   $9.00*


Fees subject to change. Updated 12/15/2016.
*These items subject to applicable state and city taxes.
**2017 fees to go into effect on 2/1/2017.