Schedule of Fees
Effective 5/1/09

Accounts History Printed 

$0.75/Page 

Address (incorrect / per 12 month period)

ATM/Visa Check Card Replacement

ATM Empty Envelope

Audio/Online Stop Payment-Drafts Only

(Per month, on share account balance below $25. Waived for youth accounts.)

All Other CO-OP ATMs

Check Card - Valley First Credit Union

Combined checking and/or savings balance of more than $5,000.00

Checking account and/or combined savings balance of $2,500.00

Savings account only with less than $2,500.00

FREE = Valley First does not charge a transaction fee, however there may be a surcharge/network fee from the other institution's machine.

Cashiers Checks
(Fee waived with a Valley First Visa)

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, Interest
(Per month. Reduced to $3 with maintained direct deposit. Waived with either an average daily balance of $500 in checking or an average daily balance of $2,500 in all checking and savings accounts combined) 

$5.00 

Checking, Interest Business
(No waiver) 

$9.00 

Courtesy Pay Fee  

$23.00 

Deposited/Collection Items Returned

$23.00

Direct Deposit / Payroll Deduction

Dormant Account (Per month. No activity in 12 mos.) 

$5.00 

Early Account Closure Fee
(Within 6 months of opening)

Escheated Account

Foreign Bank Deposit Fee
(Foreign bank, US currency)

Foreign Item Deposit Fee
(Foreign bank, foreign currency)

Foreign Item Return Deposit Fee

Holiday Club Early Withdrawal (Per withdrawal)

Home Banking

IRA Annual Fee

Loose Coin Processing Member
(Excluding Youth Accounts)

3%

Loose Coin Processing Non-Member 

6% 

Letters
(letter to take vehicle out of the country or special request)

$25.00 

Membership Fee (One-time, non-refundable)

Money Market Withdrawals
(First 3 withdrawals, 4-6 $5.00 each, 7 or more $10.00 each, per month) 

FREE 

Money Order ($1000.00 maximum)

Non-Member ATM Surcharge

$2.00

Notary Service-per signature (Fee waived with Interest or Basic Checking, Visa, Loan or maintain a $500.00 minimum Savings balance) 

NSF Fee (ACH, ATM, Drafts) 

Overdraft Transfer
(3 Free per month from savings, overdraft or line of credit)

Photocopy of Paid Check
(2 Free per statement or FREE copies online with eStatements)

Research/Account Balancing
(2 hour minimum)

Response to Legal Order
(Subpoenas, levies, garnishments)

Return / Redeposit of an item

$5.00 

Self-to-Self NSF Item
(In addition to Deposited/Collection Items Returned fee)

$27.00 

Statement Copies
(or FREE copies online with eStatements)

Stop Payments (ACH/Draft)

Valleyline Telephone Access

Verification of Deposit

Web Bill Pay Dormant
(Per month, after 2 months of no activity)

Wire Transfer (Domestic / International)

Wire Transfers Incoming