Fee Schedule

Fees are effective as of April 1, 2022 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
Line of Credit Overdraft - Transfer Fee (per each) $10.00 $10.00 $10.00 $10.00 N/A
Excess Share Draft Fee

(First three are free)

$10.00 $10.00 $10.00 $10.00 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 from Line of Credit (each) $10.00 $10.00 $10.00 $10.00 FREE
Overdraft Protection - Transfer from Share Account (each) $10.00 $10.00 $5.00 $10.00 $1.00
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 - within the first 30 days of account opening FREE FREE FREE FREE FREE
Temporary Checks - after the first 30 days (12 checks) $5.00 $5.00 $5.00 $5.00 FREE
Negative Balance

(Fee is per day after the third business day of negative balances of $10 or more)

$8.00 $8.00 $8.00 $8.00 $8.00
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)

$38.00 $38.00 $38.00 $38.00 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 Designated Machines FREE FREE FREE FREE FREE
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
Point of Sale Transaction FREE FREE FREE FREE 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
Stop Payment on a Recurring Debit Card Transaction $25.00 $25.00 $25.00 $25.00 $25.00
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
Internet Bill Pay
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Monthly Fee FREE FREE FREE FREE FREE
Per Transaction FREE FREE FREE FREE FREE
NSF / Non-Sufficient Funds (each item) $38.00 $38.00 $38.00 $38.00 $38.00
Stop Payment (each item) $30.00 $15.00 FREE $5.00 FREE
Overdraft Protection Transfer from Share Accounts (each) $10.00 $10.00 $5.00 $10.00 $1.00
Overdraft Protection Transfer from Line of Credit (each) $10.00 $10.00 $10.00 $10.00 FREE
PopMoney
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Transaction Sent: 3 Day (per transaction up to $999.99) $0.75 $0.75 $0.75 $0.75 $0.75
Transaction Sent: 3 Day (per transaction $1,000.00 and up) $1.50 $1.50 $1.50 $1.50 $1.50
Transaction Sent: Next Day $1.50 $1.50 $1.50 $1.50 $1.50
Request Money: 3 Day (per transaction up to $999.99) $0.75 $0.75 $0.75 $0.75 $0.75
Request Money: 3 Day (per transaction $1,000.00 and up) $1.50 $1.50 $1.50 $1.50 $1.50
Payment Investigation/Claims $35.00 $35.00 $35.00 $35.00 $35.00
TransferNow
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Standard - 3 day - Risk Monitored Only (per transaction) FREE FREE FREE FREE FREE
Expedited - Next Day (per transaction) $3.75 $3.75 $3.75 $3.75 $3.75
Account Verification Attempt FREE FREE FREE FREE FREE
Mobile Deposit Capture
Fee DescriptionEveryday RewardsSelect RewardsPremium RewardsHorizon MembershipStudent Membership
Mobile Check Deposit FREE FREE FREE FREE FREE
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; Membership with balance of $7500 or more)

$10.00 $10.00 $10.00 $10.00 FREE
Dormant Account Escheatment Processing $25.00 $25.00 $25.00 $25.00 $25.00
Single Service Minimum Monthly Balance less than $500 (savings only)

(Waived for members under age 21)

$5.00 $5.00 $5.00 FREE FREE
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) $35.00 $35.00 $35.00 $17.50 $17.50
Money Order (up to $1000) $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
Returned Deposited Item - Member Originated (each item) $38.00 $38.00 $38.00 $38.00 $10.00
Returned Deposited Item - Other (per item*)

(*First time is free)

$20.00 $20.00 $20.00 $20.00 $10.00
Returned ACH Item (per item) $38.00 $38.00 $38.00 $38.00 $38.00
Returned Non-Sufficient Funds (per item) $38.00 $38.00 $38.00 $38.00 $38.00
Uncollected Funds $38.00 $38.00 $38.00 $38.00 FREE
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
Returned Loan Payment $38.00 $38.00 $38.00 $38.00 $10.00
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 $20.00 $20.00 $20.00 $20.00 $20.00
Loan Payment by Credit / Debit Card $5.00 $5.00 $5.00 $5.00 $5.00
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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