Schedule of Fees

Schedule of FeesEffective 6/1/14
Account History Printed $0.75/page
Address (Incorrect per 12 month period) $5.00
ATM/Visa Debit Card Replacement $10.00
ATM Empty Envelope $50.00
Balance Below Minimum (per month)
(Primary Share accounts with balances below $25. Waived for youth accounts)
Cashier's Check
(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, Choice (per month)
(Monthly fee reductions: $1.00 for eStatements, $1.00 for a posted and settled
direct deposit or automatic payment (ACH), and $0.20 per each posted and settled debit card purchase)
Checking, Basic Business (Per month. No waiver) $6.00
Checking, Premium Business (Per month. No waiver) $9.00
Check Orders Fee Vary
Club Account Early Withdrawal (Per Withdrawal) $5.00
Coin Processing (Loose/Rolled) (Member)
(Excluding Youth Accounts)
Coin Processing (Loose/Rolled) (Non-Member) 6%
Courtesy Pay Fee $25.00
Deposited/Collection Items Returned $25.00
Direct Deposit/Payroll Deduction Free
Dormant Account
(Per month. No activity in 12 mos.)
Early Account Closure Fee
(Within 6 months of opening)
Escheated Notification Fee $2.00
Foreign Bank Deposit Fee
(Foreign bank, US currency)
Foreign Bank Deposit Fee
(Foreign bank, foreign currency)
Foreign Item Return Deposit Fee $25.00
Home Banking Free
HSA Accounts: Monthly Fee (Fee Waived with eStatements) $3.00
HSA Accounts: One time set up Fee $10.00
HSA Accounts: Withdrawal Transaction Fee
(In Branch/ Call Center)
IRA Annual Fee Free
(Letter to take vehicle out of the country or special request)
Membership Fee (One-time, non-refundable) $1.00
Money Market Withdrawals: First 3 Withdrawals Free
Money Market Withdrawals: 4-6 Withdrawals $5.00 each
Money Market Withdrawals: 7 or more Withdrawals $10.00 each
Money Orders ($1,000 maximum) $2.00
Non-Member ATM Surcharge $2.00
Notary Service (per signature) $10.00 each
NSF Fee (ACH, ATM, Drafts) $25.00
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)
Priority Card Delivery $40.00
Priority PIN Delivery $40.00
Research/Account Balancing (1 hour minimum) $20.00/hour
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)
Statement Copies
(Free copies online with eStatements)
Stop Payments (ACH/Draft) $15.00
Stop Payments (Audio/Online Drafts Only) $5.00
Valleyline Telephone Access Free
Verification of Deposit Free
Web Bill Pay (Dormant)
(Per Month, after 2 months of no activity)
Wire Transfers (Domestic) $20.00
Wire Transfers (International) $35.00
Wire Transfers (Incoming) $5.00
Wire Transfer Rush Fee
(In addition to Wire Transfers Fee)

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.