Disclosures & Fees

Membership

Important Information About Procedures for Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Membership Requirements

Firelands Federal Credit Union Field of Membership:

The field of membership shall be limited to those having the following common bond: Persons who reside, work, or worship, attend school, and businesses and other legal entities within the geographic area of Huron or Erie Counties, Ohio; York Township in Sandusky, County, Ohio; Adams, Thompson, Reed and Venice Townships in Seneca County, Ohio, including the village of Green Springs. Persons who live in the community of Crawford County, Ohio, persons who regularly work, worship, attend school, perform volunteer services, and participate in associations headquartered in the community of Crawford County.

Persons participating in programs to alleviate poverty or distress located in Crawford County, incorporated and unincorporated organizations located in or maintaining a facility in Crawford County. Spouses of persons who died while within the field of membership of this credit union, employees of this credit union, immediate family members of potential members; and organizations of such persons. “Immediate Family Members” under NCUA guidelines are spouses, children, siblings, parents, grandparents, or grandchildren. This includes step-parents, step-children, step-siblings, and adoptions.

Fee Schedule

Effective Date: 7/1/2021

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Type	Fee
Replace Lost/Stolen/Damaged ATM Card	$10
ATM Overdraft	$30
Transaction Fee (withdrawal, transfer, or inquiry) at PULSE® ATMs	$1
Transaction Fee (withdrawal, transfer, or inquiry) at ATMs	Up to $2
Money Order	$2
Certified Check	$10
Cashier’s Checks	$5
Deposited Checks (and other items) returned unpaid	Up to $20
Garnishments	$50
Executions & Levies	$2 or maximum allowed by state law
Courtesy Pay – Each discretionary paid ¹	$30
Overdraft – Each overdraft paid ²	$30
Stop Payments (each) ³	$30
Non-Sufficient Funds (per presentment)	$30
Overdraft Line of Credit ($100 increments)	$5 per advance
Share Transfer Fee ($100 increments)	$5 per overdraft transfer
Convenience Fee (over the phone loan payments)	$5.95
Inactive Account ⁴	$10
Participation Fee ⁵	$5
Computer History Printout (per page)	$2
Account Research	$20 per hour (1 hour minimum)
Account Balancing Assistance	$20 per hour (1 hour minimum)
Statement Copy (each)	$5
Copy of Check (per copy)	$5
Collection Item (incoming)	$5
Collection Item (includes foreign currency items)	$20
Outgoing Wire Transfers	$25 – $60
Incoming Wire Transfers	$20 – $70
Re-open Account within 6 Months of Closing	$25
Close Account within 6 Months of Opening	$5
Check Printing	Depends on style ordered
Rejected Check ⁶	$3
Return Mail	$5
Coin Machine Fee	Members: 5% of total coin Non-Members: 10% of total coin

Disclosures

¹Courtesy Pay fee may be imposed for transactions conducted via check, in-person draft presentment, ACH or recurring debit card transactions.

²Overdraft fee may be imposed for ATM or debit card transactions. You must opt in to this service.

³Single ACH debit/check stop payments are effective for six (6) months and must be renewed for an additional fee.

⁴Monthly fee applied to single service accounts with less than a $100 balance and no activity for six (6) months.

⁵Monthly fee applied to share accounts with less than a $100 avg. monthly balance, no personal or mortgage loan and no credit card. Applies to members age 21 and older whose account open date is at least 30 days ago.

⁶If checks are purchased from vendor other than the Credit Union, the Credit Union may reserve the right to reject each check and charge a fee for each rejected check.

Disclosures & Fees

Membership

Important Information About Procedures for Opening A New Account

Fee Schedule

1Courtesy Pay fee may be imposed for transactions conducted via check, in-person draft presentment, ACH or recurring debit card transactions.

2Overdraft fee may be imposed for ATM or debit card transactions. You must opt in to this service.

3Single ACH debit/check stop payments are effective for six (6) months and must be renewed for an additional fee.

4Monthly fee applied to single service accounts with less than a $100 balance and no activity for six (6) months.

5Monthly fee applied to share accounts with less than a $100 avg. monthly balance, no personal or mortgage loan and no credit card. Applies to members age 21 and older whose account open date is at least 30 days ago.

6If checks are purchased from vendor other than the Credit Union, the Credit Union may reserve the right to reject each check and charge a fee for each rejected check.

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