Fee Schedule

 

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All Accounts
Returned Item from Another Institution $10.00
Non-Sufficient Funds - NSF/Uncollected
Includes checks, ACH, Bill Payment, RFCU Check Card, POS withdrawals and ATM withdrawals
$32.00
($14.00 for Senior Citizens)
Copy of Monthly Statement $3.00 per statement
Copy of Cancelled Check  $1.00 each
   
Research Fee $25.00 per hour
Lost Passbook $10.00
Passbook Monthly Fee $2.00
Telephone Check Withdrawal not processed through TeleTouch $2.00
ACH request made by telephone $5.00
Treasurer's Checks first check is free, $3.00 each additional check, $2.00 for Senior Citizens
Money Orders - maximum amount is $1,000.00 first check per day is free, $1.00 each additional check , $0.75 for Senior Citizens
American Express Traveler's Cheques $1.00 (1.0%) for each $100.00 purchased
American Express Traveler's Cheques for Two $1.75 (1.75%) for each $100.00 purchased
Wire Transfers - Domestic - must be received by 12:30PM for same day completion $20.00
Wire Transfers - Foreign Wire and Cable Transfers - must be received by 12:30PM for same day completion $40.00
Address Corrections - to correct an incorrect address when mail is returned to the Credit Union $2.00
Late Member Fee - balance of less than $5.00 inactive for over 6 months $5.00 or current outstanding balance
Inactive Abandoned Property Fee - share or share draft accounts inactive for over 3 years $10.00
Christmas Club Accounts - penalty charged if withdrawal is made before September 30th $10.00
Online Banking FREE
Online Bill Payment
Inactive Bill Payment (less than 3 transactions within 45 day period)
FREE
$5.00
eStatements FREE
 

Stop Payments
Check and ACH Stop Payment Request $32.00
Money Order or Treasurer's Check Stop Payment Request $32.00


Individual Retirement Account (IRA)
Trustee Transfer $25.00
Premature Distribution $25.00


MasterMoney Debit/ATM Cards
Withdrawals and inquiries at RFCU branches or RFCU cash machine locations FREE
Inquiry transaction at other locations* $1.00
ATM Withdrawal at other locations* $1.00
MasterMoney/Retail purchase FREE
Debit, ATM, NEACH Overdraft Non-Sufficient Check Paid (includes checks, ACH, Debit Card, POS and ATM Withdrawals) $32.00
Card replacement fee $5.00
Currency Conversion Fee (Charged on all cross-border transactions regardless of whether there is a currency conversion.) 1.1%
Rush card replacement fee $25.00
* Certain share draft checking accounts have different fee structures for ATM transactions - please see Share Draft Checking below for details


Visa Cards
Annual fee FREE
Late Payment Up to $25.00
Card replacement fee $5.00
Convenience Check Stop Payment $32.00
Convenience Check or Cash Advance FREE
Returned Convenience Check $32.00
Rush card replacement fee $25.00
Draft Retrievals $4.00 for copy


Safe Deposit Boxes
Available at the Rockland, Marshfield and Walpole branches
3" height X 5" width X 21" length $25.00
5" height X 5" width X 21" length $35.00
3" height X 10" width X 21" length $45.00
5" height X 10" width X 21" length $65.00
10" height X 10" width X 21" length $110.00
Replacement charge for key $10.00
If both keys are lost and box must be drilled by professional locksmith $125.00
 
Mortgage Servicing Fees
Partial Release of Mortgage $100.00
Subordination Agreement Processing $100.00
Confirmatory Release Discharge $25.00
Mortgage Payoff FREE verbal quote, $15.00 for faxed or written quote


Levy Processing
Service charge to process tax levies $25.00
Service charge to process child support levies $20.00


Interbank Transfers-All incoming transfers are FREE!
Standard outgoing transfers (3 business days)
Standard incoming transfers (3 business days)
$2.00
FREE
Premium outgoing tranfers (next day)
Premium incoming transfers (next day)
$5.00
FREE
 
Savings Accounts
High Yield Reward Savings 1 FREE withdrawal per month
  $25 for each additional withdrawal
Money Market 3 FREE checks per month
  Minimum balance of $1,000 to open
  $10.00 for each additional check


Share Draft Checking Accounts
FREE Checking
  • 8 FREE Non-RFCU ATM transactions* with direct deposit of net pay or social security
  • $1.00 per ATM withdrawal/$1.00 per inquiry over 8

Dividend Checking

  • FREE to members 40+
  • FREE unlimited checkwriting
  • FREE Unlimited ATM transactions*
  • With direct deposit of your net pay, Social Security or pension to your account, you'll receive reimbursement for up to $10 a month in ATM surcharges.
Small Business Checking
  • FREE-No monthly charge
  • No per check charge
  • No deposit charge
  • FREE Online Banking
  • FREE Unlimited Bill Pay
  • $1.00 per transaction at non-RFCU ATMs
   Checking Accounts No Longer Available 
Extra Checking
  • FREE Unlimited checkwriting
  • FREE Unlimited ATM transactions*
  • Reimbursement for up to $10 in foreign ATM surcharges.
Image Checking
  • $5.00 monthly charge waived if average monthly balance is $600.00
Advantage Checking
  • 10 FREE Non-RFCU ATM transactions*
  • $1.00 per ATM withdrawal/$1.00 per inquiry over 10
  • $8.00 monthly charge waived if average monthly balance is $300.00
 Business Checking
  • $6.00 monthly charge
  • $0.25 per check charge
  • $0.30 per deposit  
* Some institutions may charge you directly for using their ATMs
 
Loans
Consumer and Home Equity Lines and Loans Payments more than 15 days late will be charged a late fee of $10.00 or
10% of the payment amount, whichever is less.