Disclosures & Fees
Membership
Important Information About Procedures for Opening A New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Firelands Federal Credit Union Field of Membership:
The field of membership shall be limited to those having the following common bond: Persons who reside, work, or worship, attend school, and businesses and other legal entities within the geographic area of Huron or Erie Counties, Ohio; York Township in Sandusky, County, Ohio; Adams, Thompson, Reed and Venice Townships in Seneca County, Ohio, including the village of Green Springs. Persons who live in the community of Crawford County, Ohio, persons who regularly work, worship, attend school, perform volunteer services, and participate in associations headquartered in the community of Crawford County.
Persons participating in programs to alleviate poverty or distress located in Crawford County, incorporated and unincorporated organizations located in or maintaining a facility in Crawford County. Spouses of persons who died while within the field of membership of this credit union, employees of this credit union, immediate family members of potential members; and organizations of such persons. “Immediate Family Members” under NCUA guidelines are spouses, children, siblings, parents, grandparents, or grandchildren. This includes step-parents, step-children, step-siblings, and adoptions.
Fee Schedule
Effective Date: 7/1/2021
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
| Type | Fee |
|---|---|
Replace Lost/Stolen/Damaged ATM Card | $10 |
ATM Overdraft | $30 |
Transaction Fee (withdrawal, transfer, or inquiry) at PULSE® ATMs | $1 |
Transaction Fee (withdrawal, transfer, or inquiry) at ATMs | Up to $2 |
Money Order | $2 |
Certified Check | $10 |
Cashier’s Checks | $5 |
Deposited Checks (and other items) returned unpaid | Up to $20 |
Garnishments | $50 |
Executions & Levies | $2 or maximum allowed by state law |
Courtesy Pay – Each discretionary paid ¹ | $30 |
Overdraft – Each overdraft paid ² | $30 |
Stop Payments (each) ³ | $30 |
Non-Sufficient Funds (per presentment) | $30 |
Overdraft Line of Credit ($100 increments) | $5 per advance |
Share Transfer Fee ($100 increments) | $5 per overdraft transfer |
Convenience Fee (over the phone loan payments) | $5.95 |
Inactive Account ⁴ | $10 |
Participation Fee ⁵ | $5 |
Computer History Printout (per page) | $2 |
Account Research | $20 per hour (1 hour minimum) |
Account Balancing Assistance | $20 per hour (1 hour minimum) |
Statement Copy (each) | $5 |
Copy of Check (per copy) | $5 |
Collection Item (incoming) | $5 |
Collection Item (includes foreign currency items) | $20 |
Outgoing Wire Transfers | $25 – $60 |
Incoming Wire Transfers | $20 – $70 |
Re-open Account within 6 Months of Closing | $25 |
Close Account within 6 Months of Opening | $5 |
Check Printing | Depends on style ordered |
Rejected Check ⁶ | $3 |
Return Mail | $5 |
Coin Machine Fee | Members: 5% of total coin Non-Members: 10% of total coin |
| Type | Fee |
|---|---|
Replace Lost/Stolen/Damaged ATM Card | $10 |
ATM Overdraft | $30 |
Transaction Fee (withdrawal, transfer, or inquiry) at PULSE® ATMs | $1 |
Transaction Fee (withdrawal, transfer, or inquiry) at ATMs | Up to $2 |
Money Order | $2 |
Certified Check | $10 |
Cashier’s Checks | $5 |
Deposited Checks (and other items) returned unpaid | Up to $20 |
Garnishments | $50 |
Executions & Levies | $2 or maximum allowed by state law |
Courtesy Pay – Each discretionary paid ¹ | $30 |
Overdraft – Each overdraft paid ² | $30 |
Stop Payments (each) ³ | $30 |
Non-Sufficient Funds (per presentment) | $30 |
Overdraft Line of Credit ($100 increments) | $5 per advance |
Share Transfer Fee ($100 increments) | $5 per overdraft transfer |
Convenience Fee (over the phone loan payments) | $5.95 |
Inactive Account ⁴ | $10 |
Participation Fee ⁵ | $5 |
Computer History Printout (per page) | $2 |
Account Research | $20 per hour (1 hour minimum) |
Account Balancing Assistance | $20 per hour (1 hour minimum) |
Statement Copy (each) | $5 |
Copy of Check (per copy) | $5 |
Collection Item (incoming) | $5 |
Collection Item (includes foreign currency items) | $20 |
Outgoing Wire Transfers | $25 – $60 |
Incoming Wire Transfers | $20 – $70 |
Re-open Account within 6 Months of Closing | $25 |
Close Account within 6 Months of Opening | $5 |
Check Printing | Depends on style ordered |
Rejected Check ⁶ | $3 |
Return Mail | $5 |
Coin Machine Fee | Members: 5% of total coin Non-Members: 10% of total coin |