All fees are effective

Account history (non-statement copy) $2 per print out.*
American Express Travelers' Cheques withdrawn at a LAFCU branch 1% of withdrawal amount. Free to Imperial & "Premier" type accountholders.
American Express Gift Cheques 3 per day free (maximum 20 per month), then $2 each.
ATM Card "Instant Issue" $10 per card.
ATM discrepancies between actual amount deposited and the amount electronically entered through any ATM $10 each.
ATM Empty Envelope $26 each.
ATM transactions at ATMs not owned by LAFCU May be subject to fees charged by the ATM owner.
ATM withdrawals (non-LAFCU ATMs) $1.50 each. 3 free monthly for Value accountholders, 4 for Imperial, and 6 for "Premier" type accountholders.
Bad address/returned mail First statement free, $3 per statement thereafter.
Card replacement: ATM, Check Card, Home Equity Access, or Visa® $15. One free every 12 months to Value and Imperial Accounts.** Additional fee of $25 for express card replacement.
Cashier's checks $5 each. 1 free per month for Basic, Value, & Imperial, 3 free per month for "Premier" type accountholders.
"Check by Phone" Loan Payments $10 each
Check Cashing for LAFCU members 1% of check with a $5 minimum fee (free to all V.I.P accountholders or with a LAFCU checking account)
Check Cashing for Non-LAFCU members $10 per check (for cashier's checks or LAFCU checks only)
Check deposit fee First 20 check deposits per day are free. First 100 check deposits per month are free. 17 cents ($0.17) per check thereafter.
Check Imaging $8 monthly for "Premier" type accountholders and $12 monthly for all other accountholders. Front and back images inserted in monthly checking statement.
Checking Account Daily Negative Balance Fee $5 daily on a Checking Account with a negative balance after seven (7) consecutive days in a negative status.

Check Printing:

Value, Imperial & Non V.I.P Basic Accounts Free printing of one box of Standard LAFCU Checks upon account opening. The fee varies for printing additional checks. Unlimited check writing.
"Premier" type Accounts Free printing of one box of Standard LAFCU checks upon account opening, then upon request, one free box per year of Standard LAFCU checks. The fee varies for printing additional checks. Unlimited check writing.
Clerical work/research $25 per hour. Fees for research and document reproduction to authorized third parties will be charged as allowed by law.
Closing a LAFCU membership Account
(within 90 days of opening)		 $10.
Collection items Subject to outside charges ($10 minimum)
Consumer Loan Skip-A-Payment service $25 per skip. The skip can not occur in two consecutive months. Skip one payment per year on closed-end consumer loans. Click for details.
Copies of Cashier's Checks & Convenience Loan Checks $5 each
Copies of cleared personal checks $5. Two items per statement period are free for the last 12 months.
Direct Deposit Advance Service $29 fee for a maximum $500 advance, subject to approval. A new Advance is available after the previous Advance is paid in full. Ask us for details
e-Bill Pay service inside e-Branch Free to pay unlimted number of bills. Expedited "next business day" payment available per payee for $5 (if payee accepts electronic payments) or $25 (payment with a paper check)
e-Money Market Account $8 per transaction at a LAFCU branch, Shared Branch, or with a LAFCU Phone Representative.
$8 per paper copy of any account statement.
Express delivery of an item $25 each.
Extended Overdraft $5 if a Checking account has a negative balance for seven (7) consecutive days.
Funds Transfer service inside e-Branch Free
Holiday Account early withdrawal $10 per withdrawal
Inactive Share Savings or Checking Account
(no activity for 18 consecutive months)		 $2 per month. Free to minors.*
Individual Retirement Account (IRA) $5 opening fee, $5 annual fee.*
Individual Retirement Account (IRA) transfers to other financial institutions $20 each
Legal processing fee $35 each
Loan Extension/Modification fee $25 each
Medallion Signature $10 each**
Non-sufficient funds (NSF)/Reg.D or returned checks, including Share Drafts, Money Market Checks, Visa Convenience Checks, e-Bill Pay online payments, Automated Clearing House (ACH) NSF, and items paid through "Courtesy Pay" $26 for the first 2 items in any one calendar year, then $29 for each item after, with a maximum of $145 per day.
Notary Service $10 per document unless used for LAFCU business. All "Premier" type accountholders may get up to 2 free notaries daily and 5 free monthly.
Overdraft protection
(Share Savings, Money Market Accounts)		 $6 per check or item paid.**
Photocopies 50¢ each, unless for LAFCU business.
Returned items deposited at a LAFCU branch or ATM, returned items through CO-OP Deposit ATMs, the CU Deposit Network, or Service Center locations $15 if from a third party, $26 if from an account a LAFCU members has at another financial institution.
Rolled coins 10 rolls free or equivalent per day, then 10¢ per roll or equivalent.
"Second Chance" Checking $10 monthly with Direct Deposit
$15 monthly without Direct Deposit
Share Accounts combined balance below $50 (includes: Checking, Holiday, IRAs, Money Market, Certificates and Share Savings) $2 per month and $2 per withdrawal. Not applicable to members age 17 and under.
Statement retrieval and copies $5 each. Free for the last 12 months for "Premier" type Accountholders.
Stop payment of ACH credit or debit, Cashiers Checks, and Visa® Convenience Checks $26 each.
Stop payment: on e-Bill Pay payments $26 each
Stop payment: of paper personal checks $26 each at branch or on the phone with an MSR; $15 each through VoiceTel-24, or
e-Branch.
Temporary Checks $5 for 5. First 5 free to new checking accounts opened less than 30 days**
Vehicle pricing assistance First 3 are free per month, $2 per report thereafter. Fee is waived with an approved & funded vehicle loan within 30 days of report date.
Verification of deposit (VOD) $10 each
Visa® credit card cash advances Either $10.00, or 2.00% of the amount advanced plus $2.50, whichever is greater (for advances at ATMs owned by LAFCU). Either $10.00, or 2.00% of the amount advanced, whichever is greater (for advances other than those at ATMs owned by LAFCU). Interest is charged from the date of transaction. A 2% fee is charged for advances on all Visa Credit Cards, except for HELOC Access Cards
Visa Gift Card: Card Fee $3.50 each.
Visa Gift Card: Card Replacement $15 for replacement of a lost, stolen, or damaged card, with fee deducted from the card´s remaining balance.
Visa Gift Card: Inactivity $3.50 after 12 consecutive months of inactivity. Fee not charge once card balance is $0.
Visa credit card late payment (after one day late) $20 each (fixed-rate cards) or $25 (ShopLA City Card)
Visa credit card merchant draft copy $5 each.
Visa credit card Returned Payment $25 per return
Visa Personalized Prepaid Debit Card: Cash Advance 2% per withdrawal in the USA and 1% outside the USA.
Visa Prepaid Debit Card: ATM Withdrawal $2.50 per withdrawal in the USA and 1% outside the USA.
Visa Prepaid Debit Card: Card Fee / Secondary Card Fee $5.95 each.
Visa Prepaid Debit Card: Foreign Exchange The exchange rate used is the wholesale money market or the government-mandated rate, increased by 1% (including the VISA handling charge of 1%). If a card transaction is made in a currency other than that loaded on the card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed.
Visa Prepaid Debit Card: Inactive Account Maintenance $3.50 per month, beginning on the 13th month of card inactivity, if there´s a card balance.
Visa Prepaid Debit Card: Overdraft If card has a negative balance, the debit balance is due to LAFCU upon demand.
Visa Prepaid Debit Card: Reload $2.95 per load. Non-personalized cards limited to 4 loads including the initial value load.
Visa ShopLA City Credit Card Annual Fee $25 after the first tear or waived if annual purchases exceed $2,400.
Wire trace - international $30 each.
Wire transfer - outgoing Domestic $20 each (One free wire per month for all "Premier" & "Premier-55" accountholders, and free wires to "Premier Plus")
Wire transfer - outgoing International $40 each ($25 each for all "Premier" type accountholders)
Wire transfer - incoming $10 each.
* Free to all V.I.P (Value, Imperial & "Premier" type) Accountholders
** Free to "Premier" type Accountholders
+"Households" are defined as all LAFCU members living at the same address. Combined household savings and/or loan balances, excluding investor mortgages and student loan balances. Account levels are based on your cumulative average balance for the prior quarter.