| Gratiot Community Credit Union Fee Schedule | |
|---|---|
| Effective December 1, 2023, the following fees may be charged on your GCCU account: | |
| ACH On Demand Deposit | $10.00 |
| Assistance in balancing accounts (per hour) | $25.00 |
| ATM/VISA/DEBIT replacement of additional cards (per card) | $10.00 |
| Cashiers Check: Made payable to yourself or another party | $2.00 |
| Cashiers Check: On-Us check replacement for non-member third party/merchant | $15.00 |
| Check cashing fee for accounts under 3 services or under $100 balance (No check cashing fee for minors under 18 or senior citizens) | $3.00 |
| Close Christmas Club before November 1 or Vacation Club before June 1 | $10.00 |
| Close accounts within 90 days of opening | $10.00 |
| Coin Machine | 4% Members 8% Non-Members |
| Copy of Drafts (in house print) | $1.00 |
| Copy of Drafts (processor ordered) | $3.00 |
| Copy of Statements (per month) | $2.00 |
| Courtesy pay fee (per item) | $28.00 |
| Dormant Account Fee: Accounts with no activity for 1 year and less than a $1000 balance (unless they have a Visa or IRA or the member is under 16 years old) The charge is taken monthly | $10.00 |
| Draft Cost (new and reorder) | Varies |
| Escheat Fee | $75.00 |
| Fax service (per page) | $1.00 |
| Foreign card ATM use (our machine non-GCCU card) | $3.00 |
| Garnishement Processing Fee (effective September 1, 2018) | $25.00 |
| GCCU card ATM fee: You are allowed unlimited use at our machine (no charge); and unlimited transactions at other locations without GCCU charging you (note: foreign machine owners may charge you a fee to use their machine) | $0.00 |
| Gift card fee | $3.00 |
| History (per month) | $1.00 |
| Home equity application fee | $150.00 |
| Land contract – payments (each payment) | $5.00 |
| Land contract – set up | $15.00 |
| Late payments on loans (10 or more days late) | $20.00 |
| Money order fee: (per money order for members) | $1.50 |
| Money order fee: (per money order for non-member) | $2.00 |
| Money order/Cashier’s check fee / On-Us replacement for non-member third party/merchant | $15.00 |
| Notary service: (per document for member) | $0.00 |
| Notary service: (per document for non-member) | $1.00 |
| NSF fee (Insufficient Funds) both shares & share drafts | $28.00 |
| Payment by Debit/Credit Card
Tier 1 $0.00 to $299.99 |
$10.00 |
| Photocopies (per page) | $0.25 |
| Regulation D violation fee (A $5.00 fee will be accessed for every covered savings transfer/withdrawal that exceeds the monthly limit of 6. Fees will be debited from the member account in violation on the last day of the month.) | $5.00 |
| Re-open account within 6 months of closing one | $5.00 |
| Returned Deposit Item Charge | $15.00 |
| Returned statement with a forwarding and we re-mail | $1.00 |
| Skip-A-Payment | $15.00 |
| Stop payment on a check or an ACH transaction | $20.00 |
| Third party payments (each payment) | $5.00 |
| Travel money card fee: (first issue) | $6.00 |
| Travel money reload fee: (reload at credit union) | $1.00 |
| VISA Annual Charge | $0.00 |
| VISA microfiche copy or statement reprints | $5.00 |
| Wire transfers (incoming) | $5.00 |
| Wire transfers (outgoing) | Regular $30.00 Foreign $50.00 |
Approved by the Board of Directors on November 28, 2023.