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 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 |
Action |
Fee |
---|---|
* Applies to non-sufficient funds or overdraft items created by check, in-person and ATM withdrawal, or other electronic means. Maximum of two (2) paid or returned fees per day per account. Fee is waved if your account is overdrawn by $10 or less. ** Maximum of two (2) paid or returned fees per day per account. Fee is waved if your account is overdrawn by $10 or less. |
|
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 Failed ACH Payment |
Fee $20.00 each |
Action Edge Pay Subscription |
Fee $4.95 monthly |
Service |
Fee |
---|---|
Service Account Reconciliation/Research |
Fee $25.00 per hour |
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 |
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 |
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 |