Fees & Service Charges

Consumer Fee Schedule

Effective as of January 11, 2024. All fees are subject to change without notice.

Account Fees

Checking Accounts
Go Green

None
Inactive Account Fee4$5.00/month
Paper Statements for EChecking Accounts$5.00

Transaction Fees

Check Writing FeeNone
100 Wallet Checks in Traditional StyleVaries according to style
Temporary Counter Checks (aka Starter Checks)
(8 FREE at account opening)
$2.00/sheet of 4
Copy of Personal Check (free via Online Banking)$5.00/copy
Stop Payment (per 6-month request)
Personal & Teller Checks, Money Order, ACH, or Bill Payment Check
$30.00
Automatic Transfer From Any Deposit Account or Safety Line of Credit to Checking$3.00
Item Returned Unpaid or Check Paid via Courtesy Payment7$30.00
VISA Debit Transactions via Courtesy Payment (per item)7$10.00
Telephone Payment made from an external account with a representative$5.00
Automated or online payments from an external accountFREE
Excess savings transaction fee will be charged if a savings account exceeds six pre-authorized, electronic, or automated telephone transfers/withdrawals per month.5$10.00/item

ATM Fees

Jovia ATM TransactionsFREE
Withdrawals at Non-JoviaATMs8 FREE/mth $1.00 ea over 8
Withdrawals at Allpoint™ ATMs (Using Jovia VISA® Debit card only)1FREE
Inquiries at Non-Jovia ATMs (per inquiry)$1.00 each

Online Services

Online BankingFREE
Bill PaymentFREE
Expedited Bill Payment — via Electronic Payment$10.00 each
Expedited Bill Payment — via Check Payment$30.00 each
Account Transfers (Internal Member accounts)FREE
Copy of Bill Payment Check$5.00
Sending and receiving money through ZelleFREE
Requesting money through Zelle$3.00 fee, deducted from the payment
Zelle Payment Dispute6$35.00
Payment Manager Funds Transfer Premium Inbound2$5.00 each
Payment Manager Funds Transfer Premium Outbound2$10.00 each
Payment Manager Funds Transfer Standard Inbound3FREE
Payment Manager Funds Transfer Standard Outbound3
(Transaction Up to $5,000)
FREE
Payment Manager Funds Transfer Standard Outbound3
(Transaction between $5,000 – $10,000)
$5.00 each
Payment Manager Funds Transfer Standard Outbound3
(Transaction between $10,000 – $15,000)
$10.00 each

Safe Deposit Boxes (Plainview Branch only)

3 x 5 x 18$35.00
5 x 5 x 18$50.00
3 x 10 x 18$60.00
5 x 10 x 18$95.00
10 x 10 x 18$185.00
Safe Deposit Key Replacement$15.00
Safe Deposit Break-In Fee$200.00

Subpoena Fee Schedule

Research Subpoena fee$75.00
Search and process of Subpoena$10.00/hr
Tax documents$0.25/item
Transaction tickets$0.25/item
ONUS items$0.25/item
Transit items$0.25/item
Signature card$0.25/item
Wire copy$0.25/item
Statement copy$1.00/statement

Other Services

Abandoned Property Account Processing$50.00
Account Research (per hour)$20.00
Teller Check for Less Than $1,000 (payable to 3rd parties)$3.00
Copy of Teller Check (per copy)$5.00
Money Order (per item)$3.00
Copy of Money Order (per item)$5.00
Copy of Deposited Check or Slip — item deposited within prior six months AND check amount known (per item)$5.00
Copy of Deposited Check or Slip — item deposited more than six months ago OR check amount unknown (per item)$6.00
Copy of Statement (per statement)$5.00
Money Market Account
(over three checks written)
$10.00 each
Deposited Item Returned (per item)$15.00
Notary Public ServiceFREE
IRA Custodial ServiceFREE
IRA trustee to trustee transfer (outgoing only)$25.00
Health Savings Account (HSA) Trustee to Trustee
transfers outgoing only (Effective February 22, 2024)
$25.009
Canadian Checks$15.00
Immigration Letter (per letter)$10.00
Payoff Letter (Mortgage)$30.00
Incoming Collection Item$15.00
Foreign Collection Item$35.00
Wire — Incoming — Domestic or International$5.00
Wire Transfer (conducted in person) — Outgoing within U.S. (per wire)$20.00
Faxed Wire (conducted via online form) — Outgoing within and outside U.S. (per wire)$50.00
Wire Transfer (conducted in person) — Outgoing outside U.S. (per wire)$40.00
Jovia Investment Services ConsultationFREE
Bad Name/Address (undeliverable mail returned)$3.00
ACH Item Returned Unpaid or ACH Stop Payment on a Deposit Account$30.00
VISA® Late Feeup to $25.00
Lost VISA® Debit and Credit Cards$5.00
Coin-Counting Machine (per day)
Amounts less than $500
Amounts over $500

FREE
10% of amount over $500

Digital Only Member Accounts

Digital Member Personal Assistance Fee8
Effective May 1, 2024

$25.00


1Transactions made at Allpoint ATMs using a Jovia Visa® Debit card do not count against the non-Jovia ATM transaction limit. Please note that ATMs at Shared Branches (CU Service Centers), King Kullen Supermarkets, and other Long Island credit unions will count against the eight-transaction limit; however, you may make an unlimited number of requests for cashback at PIN-based point-of-sale (POS) terminals.

2Next Business Day if transaction is requested through Home Banking by 8:00 P.M. EST

3Three Business Days if transaction is requested through Home Banking by 1:00 A.M. EST

4Applies to membership with no activity in the preceding 12 months; excluding members who maintain a loan balance, IRA or Term Certificate of Deposit, or have greater than $1,000 in total balances

5Accounts subject to the excess savings transaction limit include Share Savings, Online Savings, Money Market, Super Saver, Elements Teen Share, Dollar Dog Kids Share, Special Purpose, Tuition Builder and IRA Savers Dividend.

6Zelle issued fee

7 An item or payment may be presented multiple times and we do not monitor or control the number of times a transaction is presented for payment. We may charge a fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented. We may charge a fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. Effective 5/01/2022- For all consumer accounts except for CareFree Checking, your account may be charged up to 6 NSF/UCF per calendar month. If more than 6 NSF/UCF occur during the calendar month, additional NSF (Non Sufficient Funds) /UCF (Uncollected Funds) will be waived

8A fee will be charged for any transaction that a digital-only member conducts on any account that can be performed via self-service digital methods. Self-service digital methods are Online Banking, Mobile Banking, Via chatbot, Interactions with the Virtual Branch (audio, video, chat with a live representative during business hours ), or using ATM or ITM without a representative. If the credit union requires your physical presence or prohibits a particular transaction from being completed digitally, then you won't be charged. You may be charged up to three (3) personal assistance fees during a rolling 12-month period before your account will be converted to a traditional share account. The personal assistance fee will be charged when the digital member uses personal assistance to conduct the transaction with the credit union or shared branch locations. Effective May 1, 2024, the fee charged will be $25.00.

9 A fee will be charged anytime an outgoing trustee to trustee transfer is requested from the Health Savings Account owner. A transfer occurs when a member instructs their custodian to move their assets from their current HSA (Health Savings Account) to an HSA at another institution.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Rates and terms are subject to change without notice.