The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Account Fees

Account Balancing/Research per hour $20.00
Account Closed (within 3 months of opening) $5.00
Check Cashing Fee $5.00
This fee will not be charged if a member has an aggregate balance of $100 or more, or if you have a loan or credit card with Del Norte Credit Union.
Check Clearing Fee for each check over 30 checks per month - Express Checking $0.15
Check Clearing Fee for more than 3 checks per month - Money Market Checking $10.00
Collection Item (incoming/outgoing) $25.00
Courtesy Pay $25.00
Courtesy Pay fees apply when an overdraft is created by check, ATM withdrawal, or other electronic means.
Dormant Account - per month $10.00
Dormant accounts will be assessed a $10 inactivity fee on a monthly basis. An account is considered dormant after one year of inactivity. Accounts will not be assessed the inactivity fee if members have active suffixes, loans, or if members are 18 years of age or younger.
Escheated Accounts $50.00
On dormant accounts after 5 years
Levies/Garnishments $25.00
Non Sufficient Funds (NSF) Item $30.00
Preferred Checking Monthly Service $7.00
Fee waived if checking balance is kept over $100
Preferred Plus Monthly Service $5.00
Preferred Plus Monthly Service - Seniors (50 yrs. old or better) $4.00
Return Deposit/Item $25.00
Return Mail $5.00
Stop Payment $35.00
- Checking account, bill pay, POP$, and external transfers

Product and Service Fees

ATM withdrawal - per withdrawal at out of network ATM's $1.50
Cashier's/Certified Checks $2.50
Copy of Draft (free through Online Banking) $3.00
Copy of Statement (free through Online Banking) $3.00
Domestic Wire Transfer (outgoing) $15.00
Foreign Wire Transfer (outgoing) - Plus exchange fees $50.00
Notary - per notarized document - Waived for members $5.00
One time ACH Origination $15.00
Replace lost ATM Card or Debit Card $10.00
External Funds Transfer via home banking (3 day processing) free
External Funds Transfer via home banking (next day) $5.00
Send POP$ (3 day processing) $2.00
Send POP$ (next day processing) $5.00
Request Money $2.00
NSF POP$ & External Funds Transfer $35.00
POP$ & External Funds Transfer Inquiry $45.00
Member Loyalty Points cannot be used to refund External Funds Transfer or POP$ fees.
Temporary Checks - per page $2.00
VISA Gift Cards - per card $3.50
- Inactivity fee after 12 consecutive months - per month $2.50
- Replacement for lost/stolen card $10.00
Safe Deposit Box Annual Rental  
3x5 $20.00
5x5 $30.00
3x10 $40.00
5x10 $50.00
10x10 $100.00
Key Deposit - refundable $12.00
Box Drilling or Replacement Keys - actual cost

Effective 01/01/2016

Electronic Fund Transfers-Your Rights and Responsibilities:

Preauthorized Payments: We will charge you $35.00 for each stop-payment order you request.

Truth-in-Savings Disclosure:

Primary Share Account: Minimum balance requirements - You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Par value of a share - The par value of a share in this account is $5.00.

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