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

 

 

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

$28 per NSF item returned or per Overdraft item paid

Action

Uncollected Funds

Fee

$28 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

Domestic Wire Transfer (outgoing)

Fee

$20.00 each

Service

Domestic Wire Transfer (incoming)

Fee

$10.00 each

Service

Money Orders

Fee

$5.00 each

Service

ATM Surcharge

Fee

Other institutions may charge to use their ATMs. See free ATMs.

Service

ATM Surcharge Fee Rebate

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

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