FEE SCHEDULE
JSC Federal Credit Union d/b/a Wellby Financial hereinafter ("Wellby" or "Wellby Financial") may assess the following fees against your account.
Please review the Membership and Account Agreement, account documents, and FAQ page for additional information regarding fees, transaction
limitations, and other account restrictions that may apply.
Service | Fees | Important Information About Fee |
|---|---|---|
Membership Fee | No Charge | |
Excess Transaction/Withdrawal Fee | No Charge | |
Temporary Checks | No Charge | Only available for checking accounts awaiting check order processing. |
Check Orders and Re-orders | Varies | Fee depends on account, style, and quality ordered. |
Certificate of Deposit Early Withdrawal Penalties | Varies | Maturity of 0-15 Mos. – 90 days interest; |
Copy of Cleared Check | No Charge | |
Verification of Cleared Check by Telephone | No Charge | |
Balance Inquiry by Telephone | No Charge | |
Deposit Verification | No Charge |
Service | Fees | Important Information About Fee |
|---|---|---|
Internal Funds Transfer | No Charge | From one Wellby account to another. |
External Fund Transfers | Varies | From Wellby to an external banking institution. Applicable fees per transfer. |
Incoming External Transfers | No Charge | From an external banking institution to Wellby. |
Person to Person Transfers | No Charge | Send money with out Digital Banking system's payment platform. |
Service | Fees | Important Information About Fee |
|---|---|---|
ATM Cash Withdrawal or Inquiry at Wellby-owned and Allpoint Network ATMs | No Charge | Unlimited withdrawals, deposits, inquiries, and transfers. |
Unlimited withdrawals, deposits, inquiries, and transfers. | $0.50 | Wellby charges for withdrawals or inquiries in excess of 4 per month. |
Replacement Card | $5.00 | |
Card PIN Rush - 2 Day | $15.00 | 2 day delivery for Card PIN |
2 day delivery for Card PIN | $15.00 | 2 day delivery for Card |
Card Rush - Next Day | $25.00 | Next day delivery for Card |
International Transaction/ Currency Conversion Fee | 1% of purchase amount | Applies to ATM and debit card transactions processed outside of the U.S., as determined by the merchant/processor or when transacting in foreign currency. |
Service | Fees | Important Information About Fee |
|---|---|---|
Telephone Banking | No Charge | |
Digital Banking | No Charge | Both online and mobile banking |
Unlimited Online Bill Pay | No Charge | ACH of Check one-time transactions or recurring transactions. |
Next-day Bill Payments | $20.00 | Next business day |
Two-day Bill Payments | $15.00 | Second business day |
Express Mail Notification | $15.00 | Per letter |
Stop Payment of Online Bill Pay | $10.00 | This fee applies when you place a stop payment on a Bill Payment. |
Payee-returned ACH Payment Due to Member Error | $25.00 | |
Payee-returned Check Payment Due to Member Error | No Charge |
Service | Fees | Important Information About Fee |
|---|---|---|
Automatic Overdraft Protection Transfer | No Charge | Each item |
Overdraft Ease | No Charge | Wellby will cover overdraft amounts up to a certain limit with no fee based on member relationship. |
Return Item Fee (Per Presentment) | $25.00 | Charged for each time an item is presented and returned unpaid if your Available Balance is insufficient to pay the item at the time your transaction is presented. Avoid this fee by having Overdraft Protection service set up from a savings account or line of credit. |
Non-Sufficient Funds (Per Presentment) | $25.00 | Only available for checking accounts awaiting check order processing. Limit of 3 pages complimentary per account. Not available for Wellby Spending accounts. |
Overdraft Fee (Per Presentment) | $25.00 | You must enroll in Overdraft Steward (previously known as Privilege Pay) for us to pay when your Available Balance is insufficient to pay the item at the time your transaction is presented. Does not apply to Wellby Spending*, Wellby Early Start Card, or Wellby Achievement Card accounts. |
Return Check Fee | $10.00 | Applicable fee when a check that was accepted for deposit to your account is returned unpaid. |
Service | Fees | Important Information About Fee |
|---|---|---|
Incoming - All | No Charge | |
Outgoing Domestic (by phone or in-person) | $20.00 | |
Outgoing International | $40.00 | |
Amendment or Tracer- International | $20.00 |
Service | Fees | Important Information About Fee |
|---|---|---|
Cashier’s Check / Official Check (member) | $2.00 | Each, regardless of dollar amount. |
Cashier’s Check / Official Check (non-member) | $10.00 | Each, regardless of dollar amount. |
Stop Payment of Cashier's Check | $25.00 | Restrictions apply. |
Copy of Cashier's Check/Teller Check | No Charge | |
Money Orders | $2.00 | Each, regardless of dollar amount, maximum amount is $1,000. |
Service | Fees | Important Information About Fee |
|---|---|---|
Late Payment | Varies | See your loan note/agreement for details. |
Returned Payment Fee | $25.00 | Applicable fees when a payment to your loan is returned. |
Payment Processing Fee | No Charge | From an external banking institution to Wellby |
Service | Fees | Important Information About Fee |
|---|---|---|
3x5 Annual Rental | $20.00 | Box availability and size vary per branch location. |
3x10 Annual Rental | $32.00 | Box availability and size vary per branch location. |
5x10 Annual Rental | $64.00 | Box availability and size vary per branch location. |
10x10 Annual Rental | $100.00 | Box availability and size vary per branch location. |
Key Deposit | $16.00 | $8 per key deposit due at opening. |
Replace Lost Key | $25.00 | |
Lock Change | $10.00 | |
Charge to Drill Box | $200.00 |
Service | Fees | Important Information About Fee |
|---|---|---|
Account Balancing Assistance (per hour) | $15.00 | Minimum 1 hour |
Account Research (per hour) | $15.00 | Minimum 1 hour |
Express Delivery - Overnight | $20.00 | |
Coin Counter | No Charge | For members personal account use |
Notary Service | No Charge | For members personal use |
Dormant/Inactivity Fee | $10.00 | May be assessed monthly to membership savings accounts when a member has not initiated activity on any relationship accounts for at least 12 months. A relationship is defined as any account where the account holder has an ownership role. Exclusions: Account holder is an owner on other open products or has relationships other than Savings and Checking accounts. Account holder has more than $500 in relationship deposits. Account holder is under 18 years of age. |
Copy of Cleared Check | No Charge | |
Verification of Cleared Check by Telephone | No Charge | |
Balance Inquiry by Telephone | No Charge | |
Deposit Verification | No Charge | |
Legal Actions, Garnishments, Executions, or Levies | $100.00 | Plus applicable attorney's fees |
Specialized Letters | $25.00 |