ADEFCU Fee Schedule

Type	Cost
Overdraft (Check, ACH, or ATM)	20.00
Overdraft Transfer (Over 1 per/month)	5.00 each
Share Draft/ACH Stop Pay	20.00
Share Draft Acct Printout Costs	3.00
Share Draft Acct w/ balance dropping below $500	3.00
Direct Deposit Info & Set Up	no charge
Notary Service (free for members)	5.00
Statement Copies	3.00
Certified Copy of Paid Draft	3.00
Dormant Account	5.00 per month
Bad Address Fee	5.00 per month
Debit/ATM Card Replacement Fee (lost card)	5.00
CU Check Payable to 2nd Party (Free for members - 1 per day)	5.00
Research Acct (Waived if CU error)	20.00 an hour

Wire Fee (Domestic)	20.00
Wire Fee (Foreign)	65.00
Credit Reports	30.00
Real Estate Closing Costs	actual cost
Title & Lien Fees	actual cost
Late Charges on Loans 20% of interest due when loan is delinquent for a period of 15 days or more (minimum $.05)

Recreational Property Loans	3rd party fees
Paper Statement Fee	3.00 free if you were born before 1/1/1950
Real Estate Origination Fee	750.00 or 1%; whichever is greater

To Find ATMs near you, visit www.co-opatm.org or call 1-888-SITE-CO-OP (1-888-748-3266)