Fee Schedule
Finex Credit Union offers members the lowest fees around and many are free! Whether you have a Savings Account or a Premier Evantage Account - our fees are reasonable and straightforward. Finex has got your back when it comes to providing affordable and quality services wherever you are. If you have any questions about your fees please feel free to contact us.
Electronic Service Fees
Fees
Premier Accounts
General Accounts
Fees
Home Banking
Premier Accounts
FREE
General Accounts
FREE
Fees
E-Statements
Premier Accounts
FREE
General Accounts
FREE
Fees
Check Copies via Home Banking
Premier Accounts
FREE
General Accounts
FREE
Fees
Call 24
Premier Accounts
FREE
General Accounts
FREE
Fees
Bill Payment (general accounts 5 free, then .25 per transaction)
Premier Accounts
FREE
General Accounts
$0.25 after 5 FREE
Fees
Shared Branching (Free for first 3 transactions)
Premier Accounts
$0.50 after 3 FREE
General Accounts
$1.25 after 3 FREE
ATM Transaction Fees
*Relationship Members get FREE ATM withdrawals/inquiries. Early access to direct deposit funds depends on the timing of the submission of the payment file from the employer.
Fees
Premier Accounts
General Accounts
Fees
Debit Card Annual Fee
Premier Accounts
FREE
General Accounts
FREE
Fees
Finex CU ATM Access
Premier Accounts
FREE
General Accounts
FREE
Fees
Direct Deposit of Paycheck & Soc. Sec posted ONE DAY EARLY*
Premier Accounts
FREE
General Accounts
FREE
Fees
ATM Balance Inquiry Elsewhere
Premier Accounts
$1.00
General Accounts
$2.00
Fees
ATM Card out of network Transactions (AllPoint and Finex free)
Premier Accounts
$1.50
General Accounts
$2.50
Fees
Debit Card Foreign ATM (Allpoint and Finex FREE)
Premier Accounts
$1.75
General Accounts
$2.75
Fees
Replacement Card, Deposit Entry Error, Reinstatement Fee
Premier Accounts
$15.00
General Accounts
$20.00
Fees
ATM Annual Card Fee
Premier Accounts
$15.00
General Accounts
$25.00
Fees
Expedited Delivery Charge
Premier Accounts
$25.00
General Accounts
$35.00
*Relationship Members get FREE ATM withdrawals/inquiries. Early access to direct deposit funds depends on the timing of the submission of the payment file from the employer.
Checking Account Fees
Fees
Premier Accounts
General Accounts
Fees
Check Copies Paper (free via home banking)
Premier Accounts
FREE
General Accounts
$3.00
Fees
Reconciling Statement (min/hr), Account Research (min/hr)
Premier Accounts
FREE
General Accounts
$15.00
Fees
Transfer from Line of Credit or Shares to Checking
Premier Accounts
$5.00
General Accounts
$10.00
Fees
Axcess Cashback Plus maintenance fee (90 days after open date)
Premier Accounts
$5.00
General Accounts
$5.00
Fees
Axcess Checking (high rate, giving, atm fee refunds, cash-back) failure to meet direct deposit minimum of $300
Premier Accounts
$10.00
General Accounts
$10.00
Fees
Axcess Value - failure to meet direct deposit minimum of $300 or daily minimum account balance of $300
Premier Accounts
$10.00
General Accounts
$10.00
Fees
Stop Payment - Bank Check, ACH & per draft - max $500 for consecutive series.
Premier Accounts
$15.00
General Accounts
$25.00
Fees
Courtesy Pay Overdraft NSF Debit Card non-sufficient funds
Premier Accounts
$15.00
General Accounts
$15.00
Fees
NSF Debit returned non-sufficient funds by or to CU
Premier Accounts
$15.00
General Accounts
$20.00
Fees
Negative Balance (one time fee on overdraft opt-outs / under $10 free), Canadian Check deposits
Premier Accounts
$16.00
General Accounts
$16.00
Fees
NSF Check Deposit Fee
Premier Accounts
$15.00
General Accounts
$20.00
Lending Fees
Fees
Premier Accounts
General Accounts
Fees
Inactive Line of Credit Fee
Premier Accounts
$2.00
General Accounts
$5.00
Fees
Loan Payoff Fee (competitor loan payoff)
Premier Accounts
$10.00
General Accounts
$10.00
Fees
Line of Credit over Limit Fee
Premier Accounts
$10.00
General Accounts
$20.00
Fees
Skip a Pay (2 payments per year/per loan)
Premier Accounts
$25.00
General Accounts
$25.00
Fees
Mortgage Subordination Fee, Processing per Notice of: Levy, Execution, or Garnishment
Premier Accounts
$50.00
General Accounts
$150.00
Fees
Loan Mortgage Modification Fee (excludes 1st mortgages)
Premier Accounts
$75.00
General Accounts
$175.00
Fees
Home Equity Documentation Fee
Premier Accounts
$90.00
General Accounts
$150.00
Miscellaneous Fees
* Waived if student is under 24 years of age.
** Inactive defined as combined share balances under $300 with no activity for 24 months in individual account or in related household.
Fees
Premier Accounts
General Accounts
Fees
Credit Score (annually or quarterly if relationship)
Premier Accounts
FREE
General Accounts
FREE
Fees
H/H Paper Statement Fee (monthly/quarterly)* Withdrawal Fee (without checking acct.)*
Premier Accounts
FREE
General Accounts
$2.00
Fees
Wire Transfers - Incoming
Premier Accounts
FREE
General Accounts
$10.00
Fees
Wire Transfers - Outgoing (domestic only)
Premier Accounts
$10.00
General Accounts
$25.00
Fees
Inactive Share Account Fee (monthly)**
Premier Accounts
$1.25
General Accounts
$1.25
Fees
Money Orders (per order), Official Check
Premier Accounts
$2.00
General Accounts
$4.00
Fees
Statement Copies/ Returned Statement (second return), Official Check to Payee other than Owner
Premier Accounts
$3.00
General Accounts
$5.00
Fees
CD Early Withdrawl Interest Penalty
Premier Accounts
3 months - less than or equal to - 1 yr
General Accounts
6 months - greater than or equal to - 1 yr
Fees
Telephone/Pre-Authorized Transfer (after 6 free per mo.), Inactive Bill Pay, Debit Card, and Checking Account Fee
Premier Accounts
$3.00
General Accounts
$5.00
Fees
Canadian Deposits
Premier Accounts
$10.00
General Accounts
$25.00
Fees
Credit Score Enhancement Annual Fee
Premier Accounts
$15.00
General Accounts
$25.00
Fees
Advantage/Evantage Below Account Parameters
Premier Accounts
$15.00
General Accounts
Fees
Closing Account within 6 months of opening
Premier Accounts
$20.00
General Accounts
$20.00
Fees
Certificate or IRA Transfer to another institution per cert.
Premier Accounts
$25.00
General Accounts
$35.00
Fees
Dormant Account (one-time)
Premier Accounts
N/A
General Accounts
$35.00
Fees
ATM Surcharge (non-members $3.75)
Premier Accounts
N/A
General Accounts
N/A
Fees
On-Us Check Cashing ($10 non-members)
Premier Accounts
N/A
General Accounts
N/A
* Waived if student is under 24 years of age.
** Inactive defined as combined share balances under $300 with no activity for 24 months in individual account or in related household.