Community Link Federal Credit Union Fee Schedule

Community Link Federal
Credit Union
325 Etna Avenue
Huntington, IN
260.356.6220

Effective February 15, 2007
Subject to Change at Credit Union Discretion

MEMBERSHIP FEES
Membership fee	NONE
Closed Membership fee	$5.00 if closed within 6 months after membership opened.
Re-Open Account fee	$20.00

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SHARE ACCOUNT FEES
Christmas Club Early Withdrawal fee	$5.00
Below Minimum Balance fee	NONE (No minimum balance required).

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BASIC SHARE DRAFT (CHECKING) ACCOUNT FEES
Below Minimum Balance fee	NONE (No minimum balance required).

E-CHECKING SHARE DRAFT (CHECKING) ACCOUNT FEES

Monthly service charge (based on total relationship)

Relationship Balance

Monthly Service Charge

$2,500.00 and over

$0 per month

$1,000.00 to $2,499.99

$3 per month

$0.00 to $999.99

$6 per month

Non-Sufficient Funds fee

$29.00 per item

Draft Honor fee

$32.00 per item

Stop Payment fee

$17.00 per item

Share Draft Copy fee

$5.00 per item

Overdraft Transfer From Savings

$3.00 per transfer

Overdraft Transfer From Credit Line

NONE

Check Orders - phone/teller

$5.00

Check Orders - Harland

NONE

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CERTIFICATE ACCOUNT FEES
Early Withdrawal Penalty fee: Terms of 6 months-60 months	180 days of dividends

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OTHER SERVICE FEES APPLICABLE TO ALL ACCOUNTS
Account Reconciliation fee	$10.00/hour
Duplicate Mo./Qtrly Statement	$5.00
Request for Verification of Deposit	$5.00
Inactive Account fee	$2.00 per month after one (1) year of inactivity
Returned Mail fee	$5.00
ACH Returned Item fee	$29.00 per item
ACH Origination	$5.00
Returned Item fee (Personal Acct)	$15.00 per check
Returned Item fee (Non Personal)	$15.00 per check
Telephone Transfer/Inquiry Fee (Info is available FREE thru A.R.T. but a fee for Member preferring a person)	$2.00
Notary Service fee FREE with E-Checking Account	$2.00 (non-member $5)
Account Collection	$10.00

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IRA FEES
Early Closing (within 24 mos)	$50.00
Open Fee	$20.00

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DEBIT CARD FEES
CLFCU Debit Card Usage fee	NONE
CLFCU ATM Machine Usage fee	NONE
Replacement Card fee	$15.00 per card
ATM Honor Fee	$32.00 per item
ATM Balance Inquiry Fee (Accurate balance info is available FREE thru A.R.T. or O.T.I.S.)	$1.00
ATM Usage Fee - Non Member	$2.50

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VISA FEES
Replacement Card fee	$15.00 per card
NSF Check fee	$29.00 per check
Draft Copy fee	$5.00 per copy
ATM Transactions Cash Advance fee	$0.50 per advance
Over Limit fee	$20.00 if $100 over limit
Late Payment fee	$20.00 after 10 days
Annual Membership fee	NONE
"Rush" Phone Payment(Servicecorp)	$3.00
Teller Cash Advance Fee - FREE with CLFCU Visa Card	Other Cards - Free

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OTHER FEES
Cashiers Check fee	$5.00 per check
Non-Member Cashier Check	$10.00 per check
Money Order fee	$2.00 per money order
Non-Member Money Order	$3.00 per money
Outgoing Wire Transfer fee	$25.00 per wire
Incoming Wire Transfer fee	NONE
Temporary Check	$0.25 each
Gift Envelope	Free
Xerox copies fee	$0.25 per page
Fax fee - Local	$1.00 per page
Fax fee - Non-Local	$2.00 per page
Check Cashing fee (if not exempt)	$5.00 per transaction*
*Avoid this fee with one of the following: 1. E-checking Account 2. Minimum Average Relationship balance of $250.00 (relationship is the total of all loans, savings, CD's credit card, checking account balances.) 3. Under the age of 21 are exempt

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LOAN FEES
Loan Payoff Fax/Ltr. fee	$20.00 per fax/ltr
Early Loan Payoff fee	NONE
Consumer Loan Application fee	NONE
Mortgage Application fee	$50.00
Mortgage Late Fee	5% of payment after 15 days
Mortgage Document Prep	$150
Late Payment fee	$20.00 after 15 days
Loan Payment Return Item fee	$29.00 per item
Vehicle Title Processing fee	$20.00
UCC1 Processing Fee	$15.00

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HEALTH SAVINGS ACCOUNTS
New Account Set-Up Fee	$10.00
Monthly Fee if Balance Below $1000	$2.75
Account Closed Within 24 Months Fee	$20.00

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MONEY MANAGEMENT SAVINGS ACCOUNTS
Below Minimum Balance Fee	$7.00
Excessive Withdrawals Fee	$10.00 each
Account Closed Within 6 Months of Open Fee	$25.00