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
Fee Amount
Fees
Home Banking
Fee Amount
FREE
Fees
E-Statements
Fee Amount
FREE
Fees
Check Copies via Home Banking
Fee Amount
FREE
Fees
Call 24
Fee Amount
FREE
Fees
Bill Payment Fee
Fee Amount
FREE
Fees
Shared Branching (Free for first 3 transactions)
Fee Amount
$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
Fee Amount
Fees
Debit Card Annual Fee
Fee Amount
FREE
Fees
Finex CU ATM Access
Fee Amount
FREE
Fees
Direct Deposit of Paycheck & Soc. Sec posted ONE DAY EARLY*
Fee Amount
FREE
Fees
ATM Balance Inquiry Elsewhere
Fee Amount
$2.00
Fees
ATM Card out of network Transactions (AllPoint and Finex free)
Fee Amount
$3.00
Fees
Debit Card Foreign ATM (Allpoint and Finex FREE)
Fee Amount
$3.00
Fees
Replacement Card, Deposit Entry Error, Reinstatement Fee
Fee Amount
$15.00
Fees
ATM Annual Card Fee
Fee Amount
$25.00
Fees
Expedited Delivery Charge
Fee Amount
$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
FEE AMOUNT
Fees
Check Copies Paper (free via online banking)
FEE AMOUNT
$3.00
Fees
Reconciling Statement (min/hr), Account Research (min/hr)
FEE AMOUNT
$25.00
Fees
Transfer from Line of Credit or Shares to Checking
FEE AMOUNT
$10.00
Fees
Axcess Cashback Plus maintenance fee (90 days after open date)
FEE AMOUNT
$5.00
Fees
Axcess Checking (high rate, giving, atm fee refunds, cash-back) failure to meet direct deposit minimum of $300
FEE AMOUNT
$10.00
Fees
Axcess Value - failure to meet direct deposit minimum of $300 or daily minimum account balance of $300
FEE AMOUNT
$10.00
Fees
Stop Payment - Bank Check, ACH & per draft - max $500 for consecutive series.
FEE AMOUNT
$25.00
Fees
Courtesy Pay Overdraft NSF Debit Card non-sufficient funds
FEE AMOUNT
$25.00
Fees
NSF Debit returned non-sufficient funds by or to CU
FEE AMOUNT
$20.00
Fees
NSF Check Deposit Fee
FEE AMOUNT
$20.00

 

Lending Fees

Fees
FEE AMOUNT
Fees
Inactive Line of Credit Fee
FEE AMOUNT
$5.00
Fees
Loan Payoff Fee (competitor loan payoff)
FEE AMOUNT
$10.00
Fees
Line of Credit over Limit Fee
FEE AMOUNT
$20.00
Fees
Skip a Pay (2 payments per year/per loan)
FEE AMOUNT
$35.00
Fees
Home Equity Documentation Fee
FEE AMOUNT
$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
Fee Amount
Fees
H/H Paper Statement Fee (monthly/quarterly)* Withdrawal Fee (without checking acct.)*
Fee Amount
$3.00
Fees
Wire Transfers - Incoming
Fee Amount
FREE
Fees
Wire Transfers - Outgoing (domestic only)
Fee Amount
$25.00
Fees
Inactive Share Account Fee (monthly)**
Fee Amount
$3.00
Fees
Official Check
Fee Amount
$5.00
Fees
Statement Copies/ Returned Statement (second return), Official Check to Payee other than Owner
Fee Amount
$5.00
Fees
CD Early Withdrawl Interest Penalty
Fee Amount
6 months - greater than or equal to - 1 yr
Fees
Inactive Debit Card Fee
Fee Amount
$5.00
Fees
Canadian Deposits
Fee Amount
$30.00
Fees
Advantage/Evantage Below Account Parameters
Fee Amount
$10.00
Fees
Closing Account within 6 months of opening
Fee Amount
$20.00
Fees
Certificate or IRA Transfer to another institution per cert.
Fee Amount
$35.00
Fees
Dormant Account (one-time)
Fee Amount
$35.00
Fees
ATM Surcharge (non-members $3.75)
Fee Amount
N/A
Fees
On-Us Check Cashing ($10 non-members)
Fee Amount
N/A
Fees
Inactive Bill Pay Fee
Fee Amount
$5.00

* 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.