ELIMINATED FEES AS OF 2/1/2020

INCOMING WIRE FEE
FUNDS TRANSFER/POP MONEY FEE
ACH FEES (SAME DAY/NEXT DAY)
STATEMENT COPY FEE (Consumer Accounts)
PLASTIC CARD REPLACEMENT FEE
EXCESS WITHDRAWAL FEE (Consumer Accounts)
RESEARCH FEE
COPY DOCUMENT FEE
3% LOOSE COIN FEE (Consumer Accounts)
VERIFICATION OF DEPOSIT
DESIGN YOUR OWN CARD FEE
CLOSURE FEE
POSTING REJECT FEE (Consumer Accounts)
DRAFT COPY FEE (Consumer Accounts)
COPY OF OFFICIAL CHECK

Consumer Business
Back Up Withholding $6.00 Backup Withholding (per dividend period) $ 6.00
Non-Sufficient Funds (each item)* $32.00

Overdraft Privilege (each item resulting in a negative account balance of $10.00 or less)* $15.00 Non-Sufficient Funds (per item)* $32.00
Overdraft Privilege (each item resulting in a negative account balance greater than $10.00)* $32.00

Overdraft Protection (transfer) from Share Account (Overdraft transfers in increments of $100) $8.00

Premium Rewards Checking (without qualifying balance/product)1 $12.00/month Standard Business Checking (Grandfathered) $5.00/Month
Reliance Checking $12.00/month Excess Transaction Fee over 100 (Standard Business Accounts) $ 0.10 each
Rewards Checking (without qualifying balance/product)2 $5.00/month Community Business Checking $5.00/ Month
Rewards Plus (without qualifying balance/product)3 $16.00/month Excess Transaction Fee over 150 (Standard Community Accounts) $ 0.10 each
Stop Payment $25.00 Select Business Checking $10.00/Month
Stop Payment Cancellation $10.00 Excess Transaction Fee over 300 (Select Business Checking Acccounts) $ 0.10 each
Connect VISA Annual Fee $25.00 Premier Business Checking $20.00/Month
Conversion (fixed rate to variable or vice versa) 2% of loan balance or $200, whichever is greater Excess Transaction Fee over 500 (Premier Business Accounts) $ 0.10 each
Deed of Release Recording $40.00 Business Deposit Corrections $ 2.00 per Correction
Line of Credit Annual Fee $25.00 Non-Sufficient Funds (per item)* $32.00
Loan Modification $30.00 Overdraft Privilege (each item resulting in a negative balance of $10 or less)* $15.00
Non-Sufficient Funds (Line of Credit, Home Equity Line, or VISA Check) $32.00 Overdraft Privilege (each item resulting in a negative balance greater than $10)* $32.00
Overdraft Transfer from Line of Credit $8.00 Overdraft Transfer from Business Regular Shares, $8.00
Overdraft Transfer from VISA $8.00 Overdraft Transfer from Business Visa Credit Card (Overdraft transfers in increments of $100) $8.00
Pay by Phone Loan Payment – Automated $5.00 Stop Payment $25.00
Pay by Phone Loan Payment – Live Person $15.00 Cancellation of Stop Payment $10.00
Skip-A-Pay $30.00 Foreign ATM withdrawals $ 1.75
Subordination (Real Estate) $250.00 Foreign ATM Inquires 6 $ .50
Vehicle Title Processing $40.00 Visa Multi-Currency International Transaction Actual Cost (Currently 1%)
VISA Late Payment Fee $27.00 Visa Single-Currency International Transaction Actual Cost (Currently 1%)
Debit/Credit Card Research $25.00 Cash Advance Fee 3% of amount
Foreign ATM Inquiries $0.50 Over Credit Limit Fee $25.00
Foreign ATM Withdrawals $1.75/each Late Payment $30.00
Dormant Account (unclaimed property) $60.00 Return Payment $30.00
Express Mail $33.00 Card Replacement-Rush $33.00
Inactive Account >12 months of inactivity (except minors & 65+ $6.00/month Foreign Transactions 1.00% of each multiple currency transaction in U.S. dollars
Legal Processing $50.00 Document Copy $1.50 per copy
Locator Service $10.00 Cash & Coin Orders $1.20/$1,000
Non-member Check Cashing $7.00 Check By Phone Loan Payment $ 15.00
Official Checks $5.00 Copy of Deposited Item $3.00
Paper Statements (all accounts)4 $2.00 Copy of Official Check $3.00
Returned Deposited Item/Returned Electronic Payment $20.00 Paper Statement (All Accounts)7 $2.00
Returned Deposited Item $32.00 Dormant Account (unclaimed property) $25.00
Returned Mail $5.00 Inactive Account (after 12 months inactive) $ 8.50/month
Safe Deposit Box Collection Expense $20.00 Legal Processing Fee $50.00
Safe Deposit Box Delinquency $15.00 Locator Service $10.00
Safe Deposit Box Lost Key $20.00 Official Checks $ 5.00 per check
Third party Check Acceptance $7.00 Posting Reject $ 3.00
Wire Transfer (International inbound)5 $11.00 Temporary Checks (First Order Free) $ 5.00
Wire Transfer (Domestic outbound)5 $20.00 Returned Deposit Check – Single Party/Multiple Party $20.00
Wire Transfer (International outbound)5 $100.00 Returned Mail $ 5.00
Wire Tracers, Amendments, or Reversal Requests (International) $100.00 Third Party Check Acceptance $ 7.00 per check

Wire Transfers – Domestic Outgoing $20.00

International Wire Transfers — Outgoing $40.00

International Wire Transfers — Incoming $11.00

Online Domestic Wire Transfers $20 per wire

Online International Wire Transfers $40 per wire

ACH processing $30 per month

Business Remote Deposit Capture (by member provided scanner) $20.00/Month

Business Remote Deposit Capture (Scanner provided by VWCU) $30.00/Month

Cancellation Fee (Prior to contract expiration) $250.00
Last Updated May 7, 2020. 
Disclosures

*Fee is charged for each presentment or submission. You will be charged an NSF fee when the credit union returns or rejects transactions against your account that would exceed your available balance. Importantly, a transaction that you have authorized (for example, a check or an ACH debit) may be presented or submitted to the credit union multiple times and you could be charged multiple NSF fees if the credit union returns or rejects the transaction multiple times. Additionally, you could be charged an Overdraft Privilege fee or Overdraft Protection fee (in addition to a prior NSF fee) if there is a subsequent presentment or submission that the credit union pays when your available balance is insufficient to cover the transaction.

1Monthly fee waived if one of the following criteria is met: 1) maintain balance of $3,000.00 or more in your Premium Rewards Checking account, 2) receive monthly direct deposits of $750 or more, 3) or have a combined average daily balance in all deposit accounts of 10,000.2For Rewards Checking accounts, you may qualify to have the monthly service fee for the dividend period waived if you meet one of the following requirements; 1) you meet the required minimum average daily balance of $1,000.00 for the dividend period, 2) if you make 10 or more debit and/or credit card Signature or Point of Sale (excludes ATM and ACH) transactions during the calendar month, or 3) you have an outstanding mortgage loan with Vantage West. 3For Rewards Plus Checking accounts, you may qualify to have the monthly service fee for the dividend period waived if you meet one of the following requirements; 1) you meet the minimum average daily balance of $3,000.00 for the dividend period, 2) if you make 20 or more debit and/or credit card Signature or Point of Sale (excludes ATM and ACH) transactions during the calendar month, or 3) you have a first mortgage loan with Vantage West. 4Fee waived for minors and/or if one of the following criteria is met : 1) Aggregate loan balance of $10,000 or more, 2) Aggregate deposit balances of $10,000 or more, 3) First mortgage loan. 5Fee reduced 50% for active duty military. 6Fee is charged in addition to any Transaction Fee that may apply, depending on Account Type. 7Fee waived when enrolled in e-statements.