Fee Schedule
| Service Description |
Fee for Service |
|
| ATM (Foreign) Inquiry |
$1.00 |
Per Inquiry. A total of 4 free ATM transactions per month at foreign machines; withdrawals and/or inquiries. (The owner of the ATM may also charge you a fee) |
| ATM (Foreign) Withdrawal |
$1.00 |
Per Withdrawal |
| Account/Deposit Verification |
$10.00 |
Per Request |
| Bill Payment Service |
$5.00 |
Per Month. Charged only if inactive for 90 days. Otherwise, it’s FREE |
| Checking/Draft Reconcilement |
$10.00 |
Per Hour |
| Club 1 Early Withdrawal |
$10.00 |
Per Occurrence. Vacation Clubs mature on June 1st of each year. |
| Club X Early Withdrawal |
$10.00 |
Per Occurrence. Christmas Clubs mature on October 15th of each year. |
| Copy of Check |
$5.00 |
Per Draft |
| Dormant Account |
$10.00 |
Per Month. After 12 months no activity |
| Excessive Share (Savings) Account Withdrawals |
$5.00 |
Each. Cash or Check withdrawals in excess of 2 per month on savings accounts will be assessed the fee. |
| Individual Retirement Account (IRA) Transfers |
$25.00 |
Fee charged for transferring IRA assets to another IRA provider. |
| Individual Retirement Account (IRA) Withdrawals |
$20.00 |
Fee charged for withdrawals prior to age 59 1/2. |
| Overdraft Fee – By ACH, Check, or Debit Card |
$30.00 |
Per individual transaction |
| Loan Extension (Skip-A-Pay) |
$25.00 |
Per Loan |
| Loan Late Charge |
5% of Payment Amount |
Minimum of $10.00 |
| Membership Fee |
$1.00 |
One Time |
| Money Orders |
$2.00 |
Each |
| Non-Member Check Cashing |
$4.00 |
For Each Check |
| Paper Statement Fee |
$1.00 |
Per Statement |
| Quick Loan Application Fee |
$20.00 |
Per Application for Quick Loan |
|
|
|
| Replacement ATM or Debit Plastic |
$10.00 |
Per Card |
| Replacement PIN |
$10.00 |
Per Request |
| Return Check (Deposited/Cashed) |
$30.00 |
Per Occurrence |
| Share Certificate Early Withdrawal |
180 Days Interest |
Penalty applies whether interest has been earned/paid or not |
| Statement Reprint |
$5.00 |
Per Statement |
| Stop Payment |
$30.00 |
Per Draft or ACH |
| Third Party Teller Check |
$5.00 |
Each. Payable to someone other than account owner. |
| VISA Gift Card |
$4.95 |
Each |
| Wire Fee (Domestic) |
$20.00 |
Each |
| Wire Fee (Foreign) |
$50.00 |
Each |
This Fee Schedule is effective as of 08/01/17 and is subject to change.
Fees that are in bold print are changes since our last Fee Schedule update. This Fee Schedule may not include all fees. Pass through fees that are regulated are not printed here.
For additional information, please contact the Credit Union at 804-541-1473.
Privacy Notice
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
Funds Availability Policy
This disclosure describes your ability to withdraw funds at Vantage Point Federal Credit Union. This policy applies only to the availability of funds in transaction accounts. The credit union reserves the right to delay availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy.
Please click “Funds Availability Disclosure” for the full disclosure.
Electronic Funds Transfer Notice of Change
This notice of change provides updated information regarding VISA’s account updating services.
VISA Credit Card Agreement
This agreement and disclosure provides updated information regarding VISA’s account updating services and Military Lending Act requirements.
VISA Credit Card AgreementCard Valet
CardValet Terms Of Use
CardValet Privacy Policy
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