CAL POLY FEDERAL CREDIT UNION
SCHEDULE OF FEES AND CHARGES
Effective August 1, 2008
(fees are subject to change)

CHECKING ACCOUNT FEES

REGULAR CHECKING
Monthly Fee           $0.00

STUDENT CHECKING
Monthly Fee           $0.00

TRIAL CHECKING
Monthly Fee          $15.00

CHECK PRINTING – Actual Cost
(Check designs vary by style- See check order brochure)

Non-Member Cash On-Us Ck  $10.00  

ATM FEES
Card issue   $0.00
Card Replacement  $5.00
Deposits   $0.00
Inquiries   $0.00
PIN Replacement  $0.00
Deposit Adjustment  $5.00
ATM Withdrawals/Deposit/Transfers @CPFCU ATM $0.00
ATM Withdrawals/Deposit/Transfers @CO-OP Network ATM $0.00 
ATM Withdrawals @ non-CO-OP or non-CPFCU   $1.50
 
COPY FEES
Personal Checks   $5.00 (after 2 fee per month) 
Copies of Checks on Home banking $0.00  
Cashier’s Check  $5.00
Statement Copy (per page) $2.00

GENERAL FEES
Account Research (per hour) $25.00
Foreign Check Collection $20.00
Inactive Fee  $  2.00 (No activity 1 year & Balance less than $500)
Escheated Accounts  $5.00  (No activity after 3 years) 
Incorrect Taxpayer ID# $50.00  (IRS Penalty)
IRA Account Annual Fee $10.00
Levies (IRS, State, Sheriff, etc.)  $30.00
Notary Fee (per signature – Member) $  5.00
Notary Fee (per signature - Non-Mbr) $10.00
Returned Mail (Change of Address) $  2.00
Verification of Deposit $  5.00
Wire Transfer (domestic) $15.00
Wire Transfer (international) $25.00

LOAN FEES
VISA Annual Fee  $   .00
VISA Late Fee  $15.00
VISA Over-Limit Fee $15.00
DMV Transfer Fee  $25.00 (Private party sale)
Home Equity Application  $200.00

MEMBERSHIP FEES (New members, no fee for immediate family members of members)
Family Membership Fee  $15.00

NON-SUFFICIENT FUNDS FEES
Personal Checks  $25.00
Electronic Items (ACH/ATM) $25.00
Paid NSF Item  $25.00

OVERDRAFT FEES
Overdraft from Shares $  2.00

RETURNED ITEM FEES
Deposit Item (each return)  $10.00

STOP PAYMENT FEES
Personal Checks  $10.00
Electronic Items  $10.00
Electronic Revocations $10.00
Corporate Checks  $10.00