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Fees are effective as of 07/01/2024 and subject to change. For current information, call Member Connection at 561-965-1000.
Membership Accounts
| Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Minimum Deposit to Open Membership |
$5.00 |
$5.00 |
$5.00 |
$5.00 |
$5.00 |
| Minimum Balance Requirement |
$5.00 |
$5.00 |
$5.00 |
$5.00 |
$5.00 |
| Minimum Balance to Earn Dividends |
$5.01 |
$5.01 |
$5.01 |
$5.01 |
$5.01 |
| Incorrect Address Fee
(Waived for members under 21)
|
$5.00 |
$5.00 |
$5.00 |
$5.00 |
N/A |
Club Accounts
| Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Minimum Balance to Earn Dividends |
$5.01 |
$5.01 |
$5.01 |
$5.01 |
$5.01 |
| Withdrawal Fee (per each)
(Two free per calendar year)
|
$5.00 |
$5.00 |
$5.00 |
$5.00 |
$5.00 |
Money Market Accounts
| Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Minimum Deposit to Open |
$5,000.00 |
$5,000.00 |
$5,000.00 |
$5,000.00 |
N/A |
| Minimum Balance Requirement |
$5,000.00 |
$5,000.00 |
$5,000.00 |
$5,000.00 |
N/A |
| Minimum Balance to Earn Dividends |
$5,000.00 |
$5,000.00 |
$5,000.00 |
$5,000.00 |
N/A |
| Minimum Balance Fee
(If below $5000 anytime during month)
|
$10.00 |
$10.00 |
$10.00 |
$10.00 |
N/A |
| Fee for Teller Withdrawals and Transfers
(First three free)
|
$5.00 |
$5.00 |
$5.00 |
$5.00 |
N/A |
All Checking Accounts
| Fee Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Stop Payment |
$30.00 |
$15.00 |
FREE |
$5.00 |
FREE |
| Overdraft Protection - Transfer |
$7.00 |
$7.00 |
$5.00 |
$7.00 |
FREE |
| Paper Copy of a Cancelled Check
(First paper copy is free)
|
$2.00 |
$2.00 |
$2.00 |
$1.00 |
$1.00 |
| Standard Checks
(First 100 are free at account opening with direct deposit)
|
At Cost |
At Cost |
At Cost |
At Cost |
FREE |
| Other Check Printing Charges |
Vary w/ Style |
Vary w/ Style |
Vary w/ Style |
Vary w/ Style |
Vary w/ Style |
| Temporary Checks - after the first 30 days (12 checks) |
$5.00 |
$5.00 |
$5.00 |
$5.00 |
FREE |
Easy Pay Checking Accounts
| Fee Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Easy Pay Uncollected Item
(ATM and everyday debit card transactions)
|
$8.00 |
$8.00 |
$8.00 |
$8.00 |
N/A |
| Easy Pay Overdraft
(all other transactions)
|
$34.00 |
$34.00 |
$34.00 |
$34.00 |
N/A |
Fresh Start Checking Accounts
| Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Monthly Fee |
$10.00 |
$10.00 |
$10.00 |
$10.00 |
$10.00 |
ATM/Debit Services
| Fee Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| ATM/Debit Transaction on Non-free Machines |
$2.00 |
$1.75 |
FREE |
$1.75 |
FREE |
| ATM/Debit Transfers and Balance Inquiries on Non-free Machines |
$1.00 |
$0.75 |
FREE |
$0.50 |
FREE |
| Reinstatement Fee |
$10.00 |
$10.00 |
$10.00 |
$5.00 |
$5.00 |
| Card Replacement |
$10.00 |
$10.00 |
$10.00 |
$10.00 |
$10.00 |
| Foreign/International Transactions
(Including internet transactions made in the U.S., but with a merchant who processes the transaction in a foreign country)
|
1% of the total purchase |
1% of the total purchase |
FREE |
1% of the total purchase |
FREE |
TransferNow
| Fee Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Expedited - Next Day (per transaction) |
$3.75 |
$3.75 |
$3.75 |
$3.75 |
$3.75 |
Mobile Deposit Capture
| Fee Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Reinstatement |
$10.00 |
$10.00 |
$10.00 |
$5.00 |
$5.00 |
General Service Fees
| Fee Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Dormant Account (all accounts)
(No activity for 12 months, no other active accounts, certificates or loans. Waived for Members under age 21)
|
$10.00 |
$10.00 |
$10.00 |
$10.00 |
FREE |
| Dormant Account Escheatment Processing |
$25.00 |
$25.00 |
$25.00 |
$25.00 |
$25.00 |
| Outgoing Wire Transfer (each item) |
$25.00 |
$10.00 |
$5.00 |
$25.00 |
FREE |
| Outgoing International Wire Transfer
(additional fees may be applied by third party)
|
$45.00 |
$45.00 |
$30.00 |
$45.00 |
FREE |
| Statement Copy (each period) |
$5.00 |
$5.00 |
FREE |
$5.00 |
FREE |
| Problem Research (per hour) |
$20.00 |
$20.00 |
FREE |
$20.00 |
FREE |
| Cashier Check (each check) |
$5.00 |
$2.50*
*two free per month
|
FREE |
$5.00*
*two free per month
|
FREE |
| Stop Payment on Cashier Check (each item) |
$30.00 |
$15.00 |
FREE |
$5.00 |
FREE |
Money Order (up to $1000)
*discontinued as of June 1, 2024 |
$3.00 |
$3.00 |
FREE |
$1.00 |
$0.50 |
| Incoming/Outgoing Collection Item |
$30.00 |
$30.00 |
$30.00 |
$30.00 |
FREE |
| Subpoena
(per hour plus expenses)
|
$50.00 |
$50.00 |
$50.00 |
$50.00 |
FREE |
| Deposited Check Returned - Same Name Account (each item) |
$30.00 |
$30.00 |
$30.00 |
$30.00 |
$10.00 |
| Returned ACH Origination Item (per item) |
$34.00 |
$34.00 |
$34.00 |
$34.00 |
$34.00 |
| Returned Non-Sufficient Funds/Uncollected (per item) |
$34.00 |
$34.00 |
$34.00 |
$34.00 |
$34.00 |
| Paper Statement Fee (per month)
(Waived for members age 65+ and joint members age 65+ on minor accounts)
|
$3.00 |
$3.00 |
$3.00 |
$3.00 |
$3.00 |
| Legal Review (each time) |
At Cost |
At Cost |
At Cost |
At Cost |
At Cost |
Lending
| Fee Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| Line of Credit Advance |
FREE
|
FREE |
FREE |
FREE |
FREE |
| Late Payment |
Greater of
20% of
Interest Due
or $35.00 |
Greater of
20% of
Interest Due
or $35.00 |
Greater of
20% of
Interest Due
or $35.00 |
Greater of
20% of
Interest Due
or $35.00 |
Greater of
20% of
Interest Due
or $35.00 |
| Lien and Title Transfer |
$89.00 |
$89.00 |
$89.00 |
$89.00 |
$89.00 |
| Electronic Lien and Title |
$5.75 |
$5.75 |
$5.75 |
$5.75 |
$5.75 |
| Single Credit Life Insurance
(Borrower and Co-borrower)
|
$0.69 per $1,000 |
$0.69 per $1,000 |
$0.69 per $1,000 |
$0.69 per $1,000 |
$0.69 per $1,000 |
| Joint Credit Life Insurance |
$1.21 per $1,000 |
$1.21 per $1,000 |
$1.21 per $1,000 |
$1.21 per $1,000 |
$1.21 per $1,000 |
| Single Disability Insurance
(Borrower and Co-borrower)
|
$1.73 per $1,000 |
$1.73 per $1,000 |
$1.73 per $1,000 |
$1.73 per $1,000 |
$1.73 per $1,000 |
| Joint Disability Insurance |
$3.22 per $1,000 |
$3.22 per $1,000 |
$3.22 per $1,000 |
$3.22 per $1,000 |
$3.22 per $1,000 |
| UCC-1 Filing |
$35.00 |
$35.00 |
$35.00 |
$35.00 |
$35.00 |
| UCC-1 Filing - each additional page |
$3.00 |
$3.00 |
$3.00 |
$3.00 |
$3.00 |
| UCC-1 Filing - each additional debtor name / address |
$3.00 |
$3.00 |
$3.00 |
$3.00 |
$3.00 |
| UCC-3 Filing |
$12.00 |
$12.00 |
$12.00 |
$12.00 |
$12.00 |
| Used Auto Processing |
$50.00 |
$50.00 |
$50.00 |
$50.00 |
$50.00 |
| Smart Choice Processing |
$75.00 |
$75.00 |
$75.00 |
$75.00 |
$75.00 |
| Skip-A-Payment |
$25.00 |
$25.00 |
$25.00 |
$25.00 |
$25.00 |
Guaranteed Asset Protection (GAP)
| Fee Description | Everyday Rewards | Select Rewards | Premium Rewards | Horizon Membership | Student Membership |
|---|
| GAP for Autos, Light Trucks, Vans |
$599.00 |
$599.00 |
$599.00 |
$599.00 |
$599.00 |
| GAP for Motorcycles, ATVs, Jet Skis, Snowmobiles, Golf Carts |
$390.00 |
$390.00 |
$390.00 |
$390.00 |
$390.00 |
| GAP for Watercraft, Travel Trailers, RVs, Motorhomes: Loan Amount Less Than $25,000 |
$434.00 |
$434.00 |
$434.00 |
$434.00 |
$434.00 |
| GAP for Watercraft, Travel Trailers, RVs, Motorhomes: Loan Amount $25,001 to $50,000 |
$748.00 |
$748.00 |
$748.00 |
$748.00 |
$748.00 |
| GAP for Watercraft, Travel Trailers, RVs, Motorhomes: Loan Amount $50,001 to $75,000 |
$1,020.00 |
$1,020.00 |
$1,020.00 |
$1,020.00 |
$1,020.00 |
| GAP for Watercraft, Travel Trailers, RVs, Motorhomes: Loan Amount $75,001 to $125,000 |
$1,750.00 |
$1,750.00 |
$1,750.00 |
$1,750.00 |
$1,750.00 |
| GAP for Smart Choice Auto Loans
(*Free if the loan-to-value is greater than 80%)
|
FREE* |
FREE* |
FREE* |
FREE* |
FREE* |
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