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Schedule of Fees and Charges

The following fees are in effect September 2006. Not all fees may be included. Some fees and charges are subject to change without notice.

Services

Membership Fee $15.00 one-time
Western Union Commercial Money Order $0-$999 20.00
Western Union Commercial Money Order $1,000 & over 25.00
American Express Travel Cards 14.95
American Express Gift Cards 3.95
American Express Travel Funds Direct 7.50
Money Order 1.25
Travelers Cheques 1.0% of purchase
Cheques for Two 1.5% of purchase
Gift Cheques 2.50
Advantage High Yield Money Market low balance
(Less than $2,000)
15.00 / month
Stop Payment on Credit Union Check 20.00
ACH Stop Payment/Revoke 20.00
Check Withdrawal 2.00
Wire Transfer (stateside) 17.00
International outgoing wire under $10,000 (US equivalent) 45.00
International outgoing wire over $10,000 (US equivalent) 75.00
Domestic Outgoing Wire Transfer 17.00
Domestic Outgoing Wire Transfer (non-member) 35.00
Return Mail Service Fee 5.00
Foreign Item Check Conversion —
  Canadian Bank with US Funds
  Canadian Bank with Canadian Funds
  All other foreign items

5.00
17.00
25.00
Garnishments, Judgements and Attachments 50.00
Inactive Account Fee
(one year inactivity for members over 18)
10.00 / month
Escheat Fee 50.00
Excess Cash Withdrawals
(over four per month, ATM exempt)
2.00 each
Presidential Club 15.00 annual
Overnight Letter (depending on priority) 15.00 - 17.00
Notary Service non-member 5.00
Advantage ePay (First 90 days free)
  Unlimited Payments
2.95 / month

Share Draft Accounts

Global Advantage Plus Low Balance Fee
Below $1,000
$ 5.00 / month
Global Advantage Plus Low Balance Fee
Below $100
8.00 / month
Stop Payment (per check or series) 20.00
Statement Copy 5.00
Account Audit/Research ($20 first hour, $10/hour) 20.00 minimum
Copy of Check (2 free per statement cycle) 5.00 each
Copy of Credit Union Check 5.00
Manual Check Processing 1.00 each
Advantage ePay 25.00 / item

Items/Checks Returned

Items Returned Unpaid for Any Reason (NSF) $25.00
NSF / ACH Force Pay Fee 5.00
Deposit Item Returned
  if negative
15.00
25.00

Automated Teller Machine/Debit Card

NSF ATM Transaction $25.00
ATM Card 10.00 annual
Debit Card 5.00 annual
Card Replacement 6.00 per card
PIN Replacement 2.00
Non-Global ATM Withdrawal .50
International CIRRUS Transactions 2.00

Individual Retirement Accounts (IRA)

IRA Annual Maintenance Fee $10.00
IRA Transfer / Closing Fee 15.00

Individual Retirement Accounts (IRA)

Loan audits
($5 per statement. $30 first hour, $15 each additional hour)
$30.00 minimum
Reinstatement Fee 100.00
VSI Insurance Fee 50.00
Extension Fee 15.00
Collection Visit 25.00
Collection Letter 2.00
Speed Pay (payment by card or phone check) 9.95

How to Avoid Fees

Share Draft Fees

Open a Free Global Advantage Checking Account
Keep $1,000 minimum balance in your Advantage Plus Checking Account
Set up overdraft protection for a transfer from your savings, Global Credit Card or Global Personal Line of Credit

ATM Fees

Use Global ATMs stateside

Miscellaneous

Notify us immediately whenever you change your mailing address
Open a share draft account for bill paying purposes rather than using a savings account
Copyright © 2008 Global Credit Union. All Rights Reserved.
1520 W. Third Ave., P.O. Box 3200 Spokane, WA 99220-3200
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