Fees are effective as of September 1, 2016
Savings Account Fees Checking Account / Check Card Fees Money Market Account Fees Loan Fees Business Services Fees Online Banking Fees Safe Deposit Box Fees Other Service Fees (All Accounts) Credit Union Membership Fees
Below Minimum Balance
FREE
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Visa Check Card
Overdraft Transfer ($100.00 increments)
$3.00
Statements
Overdraft Privilege
$32.00 per debit or check paid
Debit Card Overdraft Privilege
$32.00 per debit
Non-Sufficient Funds (NSF)
Continuous Day Overdraft (after 6 days)
$25.00
Stop Payment (all items)
$32.00 per item
Check Copies
$4.00 per item
Photocopy of a Deposited Check
$5.00 per item
Returned Deposit Item
Check Orders
Prices vary depending upon styles
Expedited Debit Card or PIN Mailer
$15.00
Account Research/Reconciliation Assistance
$20.00 per hour
ATM Withdrawals at Andigo-Owned Machines
Non-Andigo ATM Withdrawals
$1.50 each (in excess of 8 per month)
Non-Andigo ATM Balance Inquiry/Transfer
$1.00 per transaction
Visa Check Card Foreign Transaction
1.00% of each transaction in U.S. dollars
Below $2,500 Minimum Balance
$10.00 each month
Excess Withdrawals (On all money market accounts, you may make up to six preauthorized, automatic, telephonic, audio response or Internet transfers to another of your accounts, or to the account of any other person or organization, during a calendar month. If you exceed these limitations, your account may be subject to a fee or be closed.)
Stop Payment
Mortgage Credit Report
$28.80 (paid at closing)
Mortgage Appraisal Deposit for Conventional Loans
$300.00 (credited at closing, nonrefundable otherwise)
Mortgage Origination
$495.00 (paid at closing)
Mortgage Processing Fee for Conventional Loans
$185.00 (paid at closing)
Mortgage Underwriting
$300.00 (paid at closing)
Mortgage Document Preparation
$70.00 (paid at closing)
Mortgage Rate Lock Change
.50% of the loan amount
Mortgage Late Payment
5% of payment
Mortgage Modification
$500.00
Mortgage Re-Amortization Fee
$150.00
Home Equity Loan Closing Costs
Waived (see full disclosure)
Home Equity Line of Credit Closing Costs
Home Equity Line of Credit Annual Fee
Home Equity Line of Credit Check Orders
Home Equity Loan or Line of Credit Early Closure
Actual closing costs initially waived at closing (if closed within 1 year)
Home Equity Line Subordination
$100.00
Visa Platinum Annual Fee
Visa Platinum Foreign Transaction
2.00% of each transaction in U.S. dollars
Visa Platinum Cash Advance
3.00% of transaction amount ($5.00 minimum)
Visa Platinum Expedited Payment
$5.00
Visa Platinum Late Payment
$20.00
Special Delivery of Visa Platinum Credit Card
Loan Application (other than mortgage)
One-Time Expedited Loan Payment (from another institution)
Loan Late Payment (other than mortgage)
Early Loan Repayment (other than Home Equity)
Vehicle Title Transfer (for refinance)
All-In-One Checking: Monthly Maintenance Fee
Balances less than $5,000
Balances $5,000 to $9,999
Balances of $10,000 or more
All-In-One Checking: Monthly Transaction Fee
0 - 100 transactions
101 - 250 transactions
251+ transactions
External Transfers — Transfer In or Out (2 to 3 business days)
Online Banking and Bill Payment
Online BillPay Overnight Paper Payment
Online BillPay Same-Day Bill Payment
$9.95
Person to Person Payment (Popmoney®)
$0.75
Online Check Copies
Quicken Downloads
Microsoft Money Downloads
eStatements
eNotifications
Unacceptable eDeposit
$29.00 per item
3 x 5 Rental
$35.00 annually
3 x 10 Rental
$60.00 annually
5 x 10 Rental
$85.00 annually
10 x 10 Rental
$140.00 annually
Safe Deposit Box Drilling
Notary Service
Signature Guarantee
Cashier's Check
Money Order Express Advantage Members
$3.00 $1.00
Visa Gift Card
Domestic Wire Transfer — Outgoing
Domestic Wire Transfer — Incoming
International Wire Transfer — Outgoing
$45.00
International Wire Transfer — Incoming
Statement Copy
$5.00 each
Bad Address
$5.00 per month
Federal Express Items
Collection Item (incoming)
Garnishments/Citations
$50.00
Inactive Membership (Inactivity is defined as no activity after 12 months, less than $500 in a regular savings account and no other Andigo accounts)
$10.00 per quarter
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