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Fee Schedule

NOTICE OF CHANGE TO ACCOUNT TERMS AND FEES
EFFECTIVE APRIL 1, 2018

The following changes/additions to our account terms and fees schedule will become effective April 1, 2018. Please review carefully for any items that may directly affect you.

1. The credit union will automatically transfer in $50 increments from shares to clear share draft items.
2. There will NOT be an automatic transfer fee if you have at LEAST $50 available in your share account to transfer.
3. If you DO NOT have at least $50 to transfer, a manual transfer will be done for overdraft funds and you will be charged a $5 manual transfer fee.
4. The computer can NOT transfer any money from SHARE DRAFT to SHARES automatically. If this has to be done manually to clear an item from shares, there will be a $5 manual transfer fee.
5. The credit union will ONLY transfer money (automatic or manual) from accounts UNDER THE ACCOUNT NUMBER THE ITEM IS PRESENTED ON. It will NOT transfer from any OTHER account(s) you may be listed on. Therefore, the item will be returned NSF.
6. The share below limit fee will be $1 PER OCCURRENCE (balance below $25).
7. The share draft below limit fee will be $1 PER OCCURRENCE (balance below $0).
8. There is a $5 PER ITEM processing fee for items presented BEFORE drop box and/or over the counter deposits are received.
9. The credit union has ZERO tolerance for NSF classification and all items will be returned if sufficient money is not available for transfer or in the account.


TO AVOID FEES:
1. Deposit funds before authorizing drafts.
2. Apply for Overdraft Line of Credit.
3. Keep a “cushion” in shares.
4. Keep accurate records of all transaction.

Call the credit union if you have any questions – 919-736-0885.


Schedule of Fees
As of April 1, 2018

Drafts
NSF Check (includes billpay) $35.00
**Stop Payments (includes billpay) $35.00
Check Copy (each) $3.00
Manual Transfer $5.00
Item returned/uncollected funds $5.00
Item cleared/Deposit pending $5.00
Below minimum balance/each occurrence $1.00
Item presented before dropbox/over the counter deposit received $5.00
Share Accounts
Below minimum fee/each occurrence $1.00
Dormant accts./3 yrs. dormant/balance below $2500 $2.00 / month
Manual transfer $5.00
IRA's
Below minimum required balance - $25 $1.00 / month
No activity for 1 year/balance below $500/under 70 1/2 $1.00 / month
Close IRA (under age 59 1/2 and not deceased) $25.00
VISA Debit Cards
Manual transfer $5.00
Worn / Damaged Card replacement No Charge
Lost Card or PIN # (1st time) $5.00
Each additional lost card or PIN # $20.00
Reinstatement of closed card $25.00
NSF recurring transaction $35.00
VISA Credit Card
Automatic transfer of monthly payments $3.00 / month
Business Accounts
Transactions from 11:30 to 2:00 and last 30 minutes of the business day $15.00 per transation
ACH
NSF ACH items $35.00
**Stop Payments $35.00
Manual Transfer $5.00
Skip or postpone origination $5.00
One time origination $5.00
Item cleared/Deposit pending $5.00
Safe Deposit Boxes
3 x 5 $20.00 per year
3 x 10 $30.00 per year
Miscellaneous Fees
Interim Statement $1.00
Statement Copies $1.00 / month
Returned Mail per statement $2.00
Cashier's Check (payable to 2nd party) $2.00
Mailed Cashier's Check (payable to 2nd party) $4.00
Cashier's Check - stop payment $10.00 (if less than $2,500)
Cashier's Check - stop payment $20.00 (for $2,500 and over)
Wire Transfer (in or out) domestic only $10.00 (before 1:00 p.m.)
Wire Transfer (in or out) domestic only $15.00 (after 1:00 p.m.)
FAX for members No Charge
Tax Levy / Garnishment processing fee $25.00
Research Fee - 1st Hour $25.00
Research Fee - each additional hour $10.00
Duplicate lien release request $10.00
Close account(s) at member request and open new accounts (no charge for fraud w/police report filed) $25.00 EACH sub account
Member generated NSF $35.00
Early account termination (less than 6 months) $25.00
3rd Party NSF check $35.00
Internet Branching Fees
Not using edocuments $2.00 / month
Bill pay inactivity $2.00 / month

Goldsboro Office
201 E. Ash Street
Goldsboro, NC 27530

Cary Office
1105 Walnut Street
Cary, NC 27511

Phone:      (919) 736-0885
Toll-free:  (800) 452-4021
memberservice@fcpcu.com

Lost/Stolen Debit Cards:
(800) 889-5280
Lost/Stolen VISA Credit Cards:
(800) 369-4887