Schedule of Fees

Schedule of FeesEffective 9/1/11
Account History Printed $0.75/Page
Address (Incorrect / per 12 month period) $5.00
ATM / Visa Check Card Replacement $10.00
ATM Empty Envelope $50.00
Audio / Online Stop Payments-Drafts Only $5.00
Balance Below Minimum
(per month, on share account balance below $25, waived for youth accounts)
Cashiers Checks (fee waived with a Valley First Visa) $5.00
Check Cashing Fee
(Fee waived with a Checking, Visa, Loan, or maintain a $500.00 minimum Savings balance)
Checking, Basic (Per month. Waived with direct deposit) $3.00
Checking, Basic Business (Per month) $6.00
Checking, Premium
(Per month. Reduced to $3.00 with maintained direct deposit. Waived with either an
average daily balance of $500.00 in checking or an average daily balance of $2,500.00
in all checking and savings accounts combined.)
Checking, Premium Business (No waiver) $9.00
Courtesy Pay Fee $25.00
Deposited / Collection Items Returned $25.00
Direct Deposit / Payroll Deduction FREE
Dormant Account (Per month. For no activity in a 12 month period) $5.00
Early Account Closure Fee (Within 6 mos of opening) $25.00
Escheated Notification Fee $2.00
Foreign Bank Deposit Fee (Foreign bank, US currency) $10.00
Foreign Item Deposit Fee (Foreign bank, foreign currency) $25.00
Foreign Item Return Deposit Fee $25.00
Holiday Club Early Withdrawal (Per withdrawal) $5.00
Home Banking FREE
IRA Annual Fee FREE
Loose Coin Processing for Member (Excluding Youth Accounts) 3%
Loose Coin Processing for Non-Member 6%
Letters (Letter to take vehicle out of the country or other special request) $25.00
Membership Fee (One-time, non-refundable) $1.00
Money Market Withdrawals (First 3 withdrawals)
(4-6 $5.00 each, 7 or more $10.00 each, per month)
Money Orders ($1,000.00 maximum) $2.00
Non-Member ATM Surcharge $2.00
Notary Service per signature
(Fee waived with Premium or Basic Checking, Visa, Loan or maintain a
$500.00 minimum Savings balance)
$10.00 each
NSF Fee (ACH, ATM, Drafts) $25.00
Overdraft Transfer (3 FREE per month from Savings, Overdraft or Line of Credit) $5.00
Photocopy of Paid Check
(2 FREE per statement or FREE copies online with eStatements)
Priority Card Delivery $40.00
Priority PIN Delivery $40.00
Research / Account Balancing (2 hour minimum) $20.00/hr.
Response to Legal Order (Subpoenas, levies, garnishments) $60.00
Return / Redeposit of an item $5.00
Self-to-Self NSF Item
(In addition to Deposited / Collection Items Returned fee)
Statement Copies (FREE copies online with eStatements) $5.00
Stop Payments (ACH / Draft) $15.00
Verification of Deposit FREE
Web Bill Pay Dormant
(Per Month, after 2 months of no activity)
Wire Transfers (Domestic / International) $20.00 / $35.00
Wire Transfers Incoming $5.00
Wire Transfer Rush Fee $10.00
HSA Account: Monthly Fee (waived with eStatements) $3.00
HSA Account: One time set up fee $10.00
HSA Account: Withdrawal Transaction Fee (In Branch/Call Center) $2.00

ATM Schedule of Fees(Effective 5/1/09)
Your relationship with
Valley First Credit Union
Valley First ATMs All Other CO-OP ATMs Non CO-OP ATMs
Check Card      
Valley First Credit Union FREE1 FREE1 FREE1
ATM Card      
Combined checking
and/or savings balance of
more than $5,000.00
Checking Account and/or
combined savings balance
of $2,500.00
FREE1 FREE1 $2.00
Savings Account only with
less than $2,500.00
FREE1 $2.00 $2.00
1FREE = Valley First does not charge a transaction fee, however there may be a surcharge/network fee from the other institution's machine.