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Services and Fees

Effective Date: January 2, 2024
Account Related Fees1
Account Reconciliation and/or Research:
per hour $25 minimum charge
ATM or Visa® Debit Card Replacement $5.00
ATM Withdrawal:
per ATM withdrawal in excess of 15 per month
Bad Address/Unlocated Member:
per month until valid address is provided
Cashier's Check/Check Copy:
payable to 3rd party
Escheatment Processing Fee $50.00
Dormant Account:
per month after 24 months of inactivity
Foreign Check Deposit (for checks over $7,500 additional fees may apply)2
per check
IRA Transfer:
outgoing to another Financial Institution
NSF Item:
non-sufficient funds share draft or ACH debit (for each presentment)3
Returned Foreign Check $25.00
Share Draft Copy4 $5.00
Statement Copy:
per statement (up to 5 copies)5
Stop Payment:
ACH debit
Stop Payment:
Share Drafts6
Temporary Checks / sheet of four checks:
other than account opening
Miscellaneous Fees1
Federal Express Overnight Saturday $35.00
Federal Express Overnight Weekday $25.00
Legal Process Fees:
plus attorney fees
Tax Levy Fee $100.00
Visa® Gift Card $2.50
Visa® Travel EMV Card $5.50
Wire Transfer - Incoming:
domestic & international
No charge
Wire Transfer - Outgoing:
domestic only

1 All fees subject to change.

2 Foreign check fees are based on the actual processing and handling charges paid by the credit union for this service. The minimum processing fee is $50 per check, additional fees of up to $50 per check may be applied and deducted from the member's account on checks over $7,500. Foreign Check Return Fee is $25 per check.

3 The Non-Sufficient Funds (NSF) Fee is applied once (per item) if funds are not available in the member's account for clearing a check, ACH, or any other similar item upon its initial presentment. Multiple NSF Fees will not be applied (on a single item) as a courtesy of your membership at APCI FCU.

4 No charge if processed through APCI eBanking.

5 Beyond 5 copies the fee is applied as account research at a minimum rate of $35 per hour.

6 No charge if processed through APCI eTalk or APCI eBanking.

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