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BANKING FEES
Values-based banking starts with being transparent. That’s why we’ve made our fee schedule available so that our members never get blind sighted by unwanted fees or charges. If you have any questions or need additional resources, please get in touch with us at (205)930-5000.
| Account Fees | Amount |
| Account Research Fee Per Hour | $10.00 |
| Account History Printout (per page) | $1.00 |
| Account Statement Photocopy (per page) | $1.00 |
| ACH Fees | Amount |
| ACH Stop Pay | $32.00 |
| ATM Fees | Amount |
| Non-LCFCU ATM Transaction** | $3.00 |
| Non-LCFCU ATM Inquiry/Denial** | $1.00 |
| ATM Research Fees: | Amount |
| View video footage from LCFCU ATM | $10.00 |
| View video footage from Foreign ATM | $25.00 |
| Checking Account Fees: | Amount |
| Business Checking | $10.00 |
| Preferred Money Market | $5.00 |
| Everyday Checking | FREE |
| Engage Checking | $10.00
When qualifications are not met |
| NSF/Stop Pay/Courtesy Pay | $32.00 |
| Overdraft Protection Transfer | $3.00 |
| Photocopy of Check | $6.00 |
| Counter Check (per page) | $2.00 |
| Christmas Club Early Withdrawal | $10.00 |
| VISA Credit Card Fees: | Amount |
| Card Replacement Fee | $25.00 |
| Late Payment Fee | $25.00 |
| Photocopy of Draft | $6.00 |
| Returned check on payment | $25.00 |
| Other credit card fees may apply. Please refer to the credit card agreement. | |
| Debit Card Fees | Amount |
| Card Replacement | $10.00 |
| Photocopy of Draft | $10.00 |
| NSF/Courtesy Pay | $32.00 |
| Overdraft Protection Transfer Fee | $3.00 |
| Deposit Item Return Fees | Amount |
| All Accounts | $10.00 |
| Loan Fees: | Amount |
| Late Charge | 5% of payment due |
| Minimum Late Charge | $.50 |
| Open end add on under $50.00 | $1.00 |
| Money Orders | $2.00 |
| Cashier’s Checks/Official Checks | $2.00 |
| Share Account Fees: | Amount |
| Below par share amount (monthly charge) | $2.00 |
| Excessive withdrawals over 3 | $1.00 |
| Dormancy (monthly charge) – after one year of inactivity | $5.00 |
| Phone Inquiry Fee (per call) | $1.00 |
| Wire Transfer | $10.00 |
| Shared Branch Fees: | Amount |
| All transactions other than deposits & payments | $1.00 |
| Money orders/Official & Cashier’s Checks | $2.00 |
| Deposited Items (16 or more, per item) | $.20 |
**Does not include fees imposed by ATM owner.
***Fee can be eliminated with e-statement enrollment and debit card usage.
Fees and service charges are accurate as of 11/21/2024 and are subject to change without notice.