Delta Schools Federal Credit Union

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Fee Schedule

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

Our Contact Info

Mailing Address
P.O. Box 2566
Antioch, CA 94531
Main Branch
701 W. 18th St.
Antioch, CA 94509
Phone: 925-757-0237
Fax: 925-778-4315

Lone Tree Branch
5123 Lone Tree Way
Antioch, CA 94531
Phone: 925-757-0237
Fax: 925-706-1085

Call 24: Our 24/7 Phone Teller
833-631-1249

Credit Union Hours

Regular Hours
18th Street Branch Hours
Monday – Friday: 9am to 5pm
Closed Saturday & Sunday

Lone Tree Branch Hours
Tuesday through Friday: 9am – 5pm
Saturday: 9am – 3pm
Sunday & Monday: Closed

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