Fee Schedule

Fees are effective as of 07/01/2024 and subject to change. For current information, call Member Connection at 561-965-1000.

Membership Accounts
DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Minimum Deposit to Open Membership $5.00 $5.00 $5.00 $5.00 $5.00
Minimum Balance Requirement $5.00 $5.00 $5.00 $5.00 $5.00
Minimum Balance to Earn Dividends $5.01 $5.01 $5.01 $5.01 $5.01
Incorrect Address Fee

(Waived for members under 21)

$5.00 $5.00 $5.00 $5.00 N/A
Club Accounts
DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Minimum Balance to Earn Dividends $5.01 $5.01 $5.01 $5.01 $5.01
Withdrawal Fee (per each)

(Two free per calendar year)

$5.00 $5.00 $5.00 $5.00 $5.00
Money Market Accounts
DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Minimum Deposit to Open $5,000.00 $5,000.00 $5,000.00 $5,000.00 N/A
Minimum Balance Requirement $5,000.00 $5,000.00 $5,000.00 $5,000.00 N/A
Minimum Balance to Earn Dividends $5,000.00 $5,000.00 $5,000.00 $5,000.00 N/A
Minimum Balance Fee

(If below $5000 anytime during month)

$10.00 $10.00 $10.00 $10.00 N/A
Fee for Teller Withdrawals and Transfers

(First three free)

$5.00 $5.00 $5.00 $5.00 N/A
All Checking Accounts
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Stop Payment $30.00 $15.00 FREE $5.00 FREE
Overdraft Protection - Transfer  $7.00 $7.00 $5.00 $7.00 FREE
Paper Copy of a Cancelled Check

(First paper copy is free)

$2.00 $2.00 $2.00 $1.00 $1.00
Standard Checks

(First 100 are free at account opening with direct deposit)

At Cost At Cost At Cost At Cost FREE
Other Check Printing Charges Vary w/ Style Vary w/ Style Vary w/ Style Vary w/ Style Vary w/ Style
Temporary Checks - after the first 30 days (12 checks) $5.00 $5.00 $5.00 $5.00 FREE
Easy Pay Checking Accounts
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Easy Pay Uncollected Item

(ATM and everyday debit card transactions)

$8.00 $8.00 $8.00 $8.00 N/A
Easy Pay Overdraft

(all other transactions)

$34.00 $34.00 $34.00 $34.00 N/A
Fresh Start Checking Accounts
DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Monthly Fee $10.00 $10.00 $10.00 $10.00 $10.00
ATM/Debit Services 
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
ATM/Debit Transaction on Non-free Machines $2.00 $1.75 FREE $1.75 FREE
ATM/Debit Transfers and Balance Inquiries on Non-free Machines $1.00 $0.75 FREE $0.50 FREE
Reinstatement Fee $10.00 $10.00 $10.00 $5.00 $5.00
Card Replacement $10.00 $10.00 $10.00 $10.00 $10.00
Foreign/International Transactions

(Including internet transactions made in the U.S., but with a merchant who processes the transaction in a foreign country)

1% of the total purchase 1% of the total purchase FREE 1% of the total purchase FREE
TransferNow
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Expedited - Next Day (per transaction) $3.75 $3.75 $3.75 $3.75 $3.75
Mobile Deposit Capture
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Reinstatement $10.00 $10.00 $10.00 $5.00 $5.00
General Service Fees
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Dormant Account (all accounts)

(No activity for 12 months, no other active accounts, certificates or loans. Waived for Members under age 21)

$10.00 $10.00 $10.00 $10.00 FREE
Dormant Account Escheatment Processing $25.00 $25.00 $25.00 $25.00 $25.00
Outgoing Wire Transfer (each item) $25.00 $10.00 $5.00 $25.00 FREE
Outgoing International Wire Transfer

(additional fees may be applied by third party)

$45.00 $45.00 $30.00 $45.00 FREE
Statement Copy (each period) $5.00 $5.00 FREE $5.00 FREE
Problem Research (per hour) $20.00 $20.00 FREE $20.00 FREE
Cashier Check (each check) $5.00 $2.50*

*two free per month

FREE $5.00*

*two free per month

FREE
Stop Payment on Cashier Check (each item) $30.00 $15.00 FREE $5.00 FREE
Money Order (up to $1000)
*discontinued as of June 1, 2024
$3.00 $3.00 FREE $1.00 $0.50
Incoming/Outgoing Collection Item $30.00 $30.00 $30.00 $30.00 FREE
Subpoena

(per hour plus expenses)

$50.00 $50.00 $50.00 $50.00 FREE
Deposited Check Returned - Same Name Account (each item) $30.00 $30.00 $30.00 $30.00 $10.00
Returned ACH Origination Item (per item) $34.00 $34.00 $34.00 $34.00 $34.00
Returned Non-Sufficient Funds/Uncollected (per item) $34.00 $34.00 $34.00 $34.00 $34.00
Paper Statement Fee (per month)

(Waived for members age 65+ and joint members age 65+ on minor accounts)

$3.00 $3.00 $3.00 $3.00 $3.00
Legal Review (each time) At Cost At Cost At Cost At Cost At Cost
Lending
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Line of Credit Advance

FREE

FREE FREE FREE FREE
Late Payment Greater of
20% of
Interest Due
or $35.00
Greater of
20% of
Interest Due
or $35.00
Greater of
20% of
Interest Due
or $35.00
Greater of
20% of
Interest Due
or $35.00
Greater of
20% of
Interest Due
or $35.00
Lien and Title Transfer $89.00 $89.00 $89.00 $89.00 $89.00
Electronic Lien and Title $5.75 $5.75 $5.75 $5.75 $5.75
Single Credit Life Insurance

(Borrower and Co-borrower)

$0.69 per $1,000 $0.69 per $1,000 $0.69 per $1,000 $0.69 per $1,000 $0.69 per $1,000
Joint Credit Life Insurance $1.21 per $1,000 $1.21 per $1,000 $1.21 per $1,000 $1.21 per $1,000 $1.21 per $1,000
Single Disability Insurance

(Borrower and Co-borrower)

$1.73 per $1,000 $1.73 per $1,000 $1.73 per $1,000 $1.73 per $1,000 $1.73 per $1,000
Joint Disability Insurance $3.22 per $1,000 $3.22 per $1,000 $3.22 per $1,000 $3.22 per $1,000 $3.22 per $1,000
UCC-1 Filing $35.00 $35.00 $35.00 $35.00 $35.00
UCC-1 Filing - each additional page $3.00 $3.00 $3.00 $3.00 $3.00
UCC-1 Filing - each additional debtor name / address $3.00 $3.00 $3.00 $3.00 $3.00
UCC-3 Filing $12.00 $12.00 $12.00 $12.00 $12.00
Used Auto Processing $50.00 $50.00 $50.00 $50.00 $50.00
Smart Choice Processing $75.00 $75.00 $75.00 $75.00 $75.00
Skip-A-Payment $25.00 $25.00 $25.00 $25.00 $25.00
Guaranteed Asset Protection (GAP)
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
GAP for Autos, Light Trucks, Vans $599.00 $599.00 $599.00 $599.00 $599.00
GAP for Motorcycles, ATVs, Jet Skis, Snowmobiles, Golf Carts $390.00 $390.00 $390.00 $390.00 $390.00
GAP for Watercraft, Travel Trailers, RVs, Motorhomes: Loan Amount Less Than $25,000 $434.00 $434.00 $434.00 $434.00 $434.00
GAP for Watercraft, Travel Trailers, RVs, Motorhomes: Loan Amount $25,001 to $50,000 $748.00 $748.00 $748.00 $748.00 $748.00
GAP for Watercraft, Travel Trailers, RVs, Motorhomes: Loan Amount $50,001 to $75,000 $1,020.00 $1,020.00 $1,020.00 $1,020.00 $1,020.00
GAP for Watercraft, Travel Trailers, RVs, Motorhomes: Loan Amount $75,001 to $125,000 $1,750.00 $1,750.00 $1,750.00 $1,750.00 $1,750.00
GAP for Smart Choice Auto Loans

(*Free if the loan-to-value is greater than 80%)

FREE* FREE* FREE* FREE* FREE*
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800-472-3272

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