Cost Recovery Fee Schedule

Rates effective November 1, 2020

ACCOUNT RELATED

NSF (Return Item) Fee$30.00
Overdraft (Paid Item) Fee$30.00
created by check, in-person withdrawal, ATM withdrawal, or other electronic means
Return Check Deposit Items$10.00
Inactive Account Fee (per month)$2.00
(Members over 18 with no activity within the past 12 months and balance less than $500)
Low Account Balance Fee$2.00
(Members 18 and over with balances below $25.00 and no other active services)
Early Account Closure$10.00
(Within 6 months of opening)
Tax Levy/Garnishment$25.00
Account Reconciliation (per hour; 1-hour min)$25.00
Mailed Paper Statements$2.00
(per month; free under 18 and over 60)
Reprint Statements$3.00 (per month)
Returned Mail/Postal Address Change$3.00
Business Checking (per month)$6.00
(Nonprofit organizations exempt)
Business Deposit Item
(First 25 free each month)
$.05 (per item)

CHECK & ACH RELATED

Single Stop Payment$30.00
Group Stop Payment$50.00
Corporate Stop Payment$35.00
(Corporate stop payments cannot be placed within 90 days of issuance)
Corporate Checks$5.00
Check Cashing Over $100.00$5.00
(Fee listed above charged when savings balance is less than $100 and no other services are utilized, or individual is a nonmember)
Check Printing Current Rate
(member’s 60 and older receive 240 personal checks printed free annually)
Foreign Check Processing Current Rate
Corporate or Personal Check Copies$3.00

SERVICES

Money Orders$2.00 under age 60, $1.00 over age 60
Coin Counting1% (if over $500.00)

WIRES

Domestic Wire Transfer$20.00
International Wire Transfer$50.00
Incoming Wires$10.00

LOANS

Duplicate Lien Release$3.00
Loan Coupon Book$5.00
Late Payment (Over 10days past due)The greater of $7.80 or 5% of Month’s outstanding payment

ATM/DEBIT CARD

ReplacementCardFee$10.00

CREDIT CARDS

Credit Builder Advantage’s Annual Fee$25.00
Minimum PaymentThe greater of $25.00 or 2% of unpaid balance.
Payment Returned (Unpaid, NSF)$20.00
Cash Advance(ATM or OTC)The greater of $5.00 or 3% of advance.
Foreign Transaction1% of each foreign transaction in U.S. Dollars. 1% of each U.S. Dollar transaction that occurs in a foreign country.
Late Payment$25.00, or $35.00 if there’s been apreviouslate paymentin the prior 6 months.
Replacement Card $10.00
Expedited Delivery(initial & replacement)$40.00 (For replacement: Fee is in addition to replacement card fee)
Statement Copy$5.00
Retrieval Request (MerchantSales Draft)$5.00

BILL PAY FEATURES

ACCOUNT to ACCOUNT TRANSFER (A2A)
Incoming TransferFREE
Outgoing Transfer $1.25

Main Office & Mailing Address
2502 Maple Grove Rd.
Duluth, MN 55811

Phone
(218) 722-5931

Fax
218-740-3080

Hours &  Map

Essentia Office
Miller Dwan Building Lobby
502 E 2nd St. Bldg.C Ste.L8412
Duluth, MN 55805

Phone
(218) 740-2244

Fax
(218) 336-0112

Hours &  Map

 2018 Share Advantage Credit Union. All Rights Reserved.