DSFCU upholds the Credit Union tradition of providing competitive financial services with low or no fees. At times, it is necessary to adjust the Fee Schedule in accordance with changing costs.
Members may avoid many of the fees by being a Financial Partner with the Credit Union. For details on how this program works, take a look at FA
Checking Account Fees
| Transactions at ATMs may be subject to surcharge by ATM owner* | FREE |
| Check held for collection | $10.00 |
| Second Chance Checking | $7.50 |
| Copies of cancelled checks | $2.50 |
| Special Overnight Deliveries (+ mail rate) | $1.00 |
| Overdraft (automatic transfer from shares or loan) | $3.00 |
| Reinstatement of Closed Checking Account | $25.00 |
| Replacement Debit Card | $10.00 |
| Same Day Rush Debit Card | $50.00 |
| Express PIN | $50.00 |
| Replacement PIN | $5.00 |
| NSF Processing Fee Per Presentment | $27.50 |
| Bill Pay NSF Fee (No Maximum per day) | $27.50 |
| Stop Payments through Home Banking | $20.00 |
| Stop Payments in person | $20.00 |
| Temporary Checks (Sheet of 4) | $3.00 |
| Checking Fee member w/out active Visa | $5.00 |
Business Checking Account Fees
| Monthly Fee | $15.00 |
Loan Fees
| DMV Processing | $25.00 |
| HELOC Application Fee | $550.00 |
| HELOC Late Fee 20% of interest if more than 10 days past due | |
| Loan Modification | $150.00 |
| HELOC Early Termination | $500.00 |
| Loan Cancellation | $150.00 |
| 1st Mortgage Modification | $1000.00 |
| OAL + Application Fee | $550.00 |
| Pay off demand | $25.00 |
| Reconveyance Fee | $100.00 |
| Skip Loan Payment Application (per loan) | $25.00 |
| Subordination Agreement Request | $50.00 |
| GAP | $499.00 |
General Fees
| Research Time (per hour) | $20.00 |
| Address Research (per returned item) | $5.00 |
| Cashier’s Checks | $5.00 |
| Check Cashing for non-members | $5.00 |
| Closure of Account within 90 Days | $20.00 |
| CU Check Withdrawals | $1.00 |
| Dormant Account (Annually) Non Active Quarterly | $5.00 |
| Early Withdrawals from Christmas Club Acct | $10.00 |
| Early Withdrawals from Summer Fund Acct | $20.00 |
| Foreign Money Exchange (+ cost of postage) | $3.00 |
| International Fax Transmissions | $5.00 |
| IRA Annual Mantenance (if acct. < $500 on April 25) | $20.00 |
| IRA Termination | $20.00 |
| Money Orders | $3.00 |
| Notary Public (members) | Free |
| (non-member – per signature) | $10.00 |
| Par Late Fee (per quarter) | $5.00 |
| Remote Funds Fee/Cash Advance | $10.00 |
| Returned Deposit Item | $15.00 |
| Statement Copies | $2.00 |
| Mailed Paper Statement Fee | $2.00 |
| Wire Transfers Incoming | 5.00 |
| Outgoing (Domestic) | $17.00 |
| Outgoing (International) | $50.00 |
| Tax Levy | $25.00 |
| Verification of Deposit | $10.00 |
| Stop Payment Corporate Check | $20.00 |
| Stop Payment Checkfree | $25.00 |
Visa Fees
| Copies of Original VISA Documents (per doc.) | 10.00 |
| Express Mail VISA Card | 20.00 |
| Late Charge | 20.00 |
| Temporary LOC Increase | 10.00 |
| Replacement Card | 15.00 |
| Replacement Pin | 5.00 |
| Cash Advance/Non DSFCU Card $700 or less | $10.00 |
| Cash Advance/non DSFCU Card $701 or more | 4.35% |
Funds Availability
| TYPE OF DEPOSIT | Funds may be withdrawn by cash or check |
| Direct Deposits, Cash | The day we receive the deposit |
| Cashier Checks, Money Orders,CU Checks, Wire transfer, US/StateOr Local Gov. Checks and the first $200 of the total of all deposits of other checksCashier Checks, Money Orders, CU Checks, Wire transfer, US/State Or Local Gov. Checks and the first $200 of the total of all deposits of other checks | The first business day after the day of the deposit |
| The first business day after the day of the deposit | The second business day after the day of the deposit |
| Non-local Checks | The fifth business day after the day of the deposit |
| Special Circumstances | Longer holds may apply |
