Personal Fees

Understanding ATM Fees

There are two types of ATM fees that can be charged: 1) a fee that can be applied by the financial institution that holds your card every time you use it and 2) a surcharge fee that can be applied by the financial institution that owns the ATM you use.

VSECU does not impose card usage fees and does not impose a surcharge fee at ATMs in our network.

ATM Fees
ATM Network Type	VSECU Card Usage Fee	ATM Surcharge Fee
ATM Network Type VSECU ATM	VSECU Card Usage Fee None	ATM Surcharge Fee None
ATM Network Type CO-OP ATM	VSECU Card Usage Fee None	ATM Surcharge Fee None
ATM Network Type Out of Network ATM	VSECU Card Usage Fee None	ATM Surcharge Fee Yes
ATM Network Type ATM Surcharge	VSECU Card Usage Fee None	ATM Surcharge Fee Other institutions may charge to use their ATMs. See free ATMs.
ATM Network Type ATM Surcharge Fee Rebate	VSECU Card Usage Fee None	ATM Surcharge Fee For use of non-VSECU ATMs - $4 rebate if your combined balance with VSECU is between $5,000 and $25,000; $8 rebate if your combined balance is over $25,000

Account Fees
Action	Fee
* Applies to non-sufficient funds or overdraft items created by check, in-person and ATM withdrawal, or other electronic means ** Applies to members who have only a Share Savings account and no other accounts or joint relationship accounts at VSECU, with less than a $100 end-of-month balance in the Share Savings account. Members under age 21 and over age 65 are excluded.
Action Overdraft Protection Transfer	Fee $3.00 each
Action Returned Statement	Fee $5 – future mailings suspended until address is corrected
Action Non-Sufficient Funds (NSF)/Overdrafts *	Fee $14 per NSF item returned or per Overdraft item paid
Action Uncollected Funds	Fee $14 per item, paid or returned
Action Closed Membership	Fee $20 if closed within 90 days
Action Inactive Checking Account	Fee $5 per month if no activity on checking account for 365 days & end-of-month balance is less than $100
Action Single Service Fee **	Fee $5 per month (if applicable)
Action Failed ACH Payment	Fee $20.00 each
Action Edge Pay Subscription	Fee $4.95 monthly

Service Fees
Service	Fee
Service Account Reconciliation/Research	Fee $25.00 per hour
Service Account to Account (A2A) Outbound Transfers	Fee $3.00 each
Service Account to Account (A2A) Failed Transactions	Fee $25.00 each
Service International Wire	Fee $30.00 each
Service Domestic Wire Transfer (outgoing)	Fee $15.00 each
Service Money Orders	Fee $5.00 each
Service Card Replacement (ATM or Debit)	Fee $10 Standard; $40 Expedited
Service Paper Statement Copy	Fee $5 per statement (e-Statements free with enrollment)
Service Official Check/Money Order Replacement	Fee $20.00 each
Service Official Check (Cashier’s Check)	Fee $5.00 each
Service Paper Check Copy	Fee $3.00 each (digital copy free with online banking enrollment)
Service Check Order Prices	Fee Varies by style
Service Temporary Checks	Fee $2 for a sheet of 4 checks
Service Bill Pay Same Day Electronic Payment	Fee $9.95 per transaction
Service Bill Pay Overnight Check Payment	Fee $14.95 per transaction
Service Legal Processing (writ, levy, etc.)	Fee $50 each
Service Stop Payment (Check or ACH)	Fee $20 per item; or multiple items within a range
Service Abandoned Property/Escheatment Processing Fee	Fee $25 per membership

Mortgage Closing Costs
Item	Fee
Item Origination Fee	Fee Each point is equal to 1% of the loan amount
Item Discount Points	Fee Each point is equal to 1% of the loan amount
Item Appraisal	Fee $500 single family or $650 2-4 family
Item Property Inspection	Fee $125 final inspections for completion of property or other repairs
Item Credit Report	Fee $34 for single person or married couple
Item Lenders Inspection	Fee $750 if construction loan, $375 for modular 5/1 ARM
Item Tax Service Fee	Fee $88
Item Underwriting	Fee $375
Item Flood Certification	Fee $9
Item Settlement Agent	Fee $500–Bennington and Windham counties $400–All other counties
Item Title Search	Fee $650 for purchase, $400 for refinance
Item Title Insurance	Fee $170 for $50,000 or less, $170 + [(Loan Amount/1000-50) x 2.25]
Item Recording Fee	Fee $230