Fee Schedule

Guardian Credit Union

Fee Schedule (Effective August 1, 2015)

Fresh Start Checking
Minimum Balance FREE
Monthly Maintenance Fee FREE
Direct Deposit FREE
E-statements FREE
Debit Card FREE
Transaction Fees
Non-sufficient Funds Fee (per item) $29.00
Courtesy Pay Fee (per item) $26.00
Check/ACH Debit returned due to non-sufficient funds $29.00
Return of Deposit check (per item) $15.00
ACH Funds Transfer FREE
Military Allotment FREE
Payroll Deductions FREE
Shared Branching Transactions FREE
Direct Deposit FREE
Debit Card FREE
Teller Transactions
Money Orders (each) $2.00
Visa Gift Cards (each)*** $3.99
(With direct deposit) FREE
Early Withdrawal from Club Accounts $15.00
Official Checks (each) $2.00
Bank Wire (outbound) per wire $13.50
Bank Wire (outbound/inbound foreign) $31.00
Bank Wire (inbound) $13.50
Western Union (each) $22.50
Direct Deposit FREE
Safety Deposit Boxes available
Contact a Member Service Consultant for complete details!
Miscellaneous
E-statements FREE
Guardian Connection FREE
Bill Pay FREE
-Dormant (3 months or more per month) $4.95
Check Cashing (less than $100 in CUsavings account/no other active relationship at time of transaction) $3.00
Account Research (per hour) $20.00
Replacement Debit Card Fee $5.00
Dormant Savings Accounts with No Activity(deposit/withdrawals, etc) for 12-months and less than $100 on deposit (per month) $10.00
Dormant Checking Account Less then $100 balance and no activity for 6 months $5.00
Bad Address Fee (per month) $5.00
Garnishment/Levy Administration $50.00
Overdraft Transfer Fee (per transaction) $1.00
Copy of Savings Statements $5.00
Share Draft Copies $2.50
Photocopy Service (per page) $1.00
Stop Payment Request (per item) $23.00
Stop Payment request (per series) $50.00
Guardian LINE (24 Hour Access):
- check clearing inquiry FREE
- account transfer FREE
- check withdrawal FREE
- balance inquiry FREE
In Network ATM (on premise per transaction) FREE
Out of Network ATM Fee (Uses outside of GCU
and CU24 Network) (per transaction) $1.00
Non-Member On Us Check Cashing Fee $3.00
Mobile Banking FREE
Notary Service FREE
Rush Delivery Fee $30.00
Return Deposit Item Fee (each occurrence of return of deposit item on the member account at another institution) $35.00
Savings Account
Minimum Balance $1.00
Balance Required to Earn Dividend $100.00
Excessive Share Withdrawal fee (5th and 6thshare withdrawal per month) $1.00
Excessive Share Withdrawal fee (per share withdrawal after 6th monthly withdrawal) $2.00
ACH Funds Transfer FREE
Military Allotment FREE
Payroll Deductions FREE
Shared Branching Transactions FREE
Direct Deposit FREE
E-statements FREE
Money Market Account
Minimum Balance $2,500.00
Dividends Paid Monthly
Below Minimum Balance Fee (per month) $10.00
Withdrawals (6 or more per month) $2.00
Direct Deposit FREE
E-statements FREE
Premier Checking Account
Minimum Balance $5,000.00
Interest Paid Monthly
Below Minimum Balance Fee (per month) $10.00
E-statements FREE
Debit Card FREE
Common Cents Checking
Minimum Balance FREE
Round Up Savings Account FREE
Monthly Maintenance Fee FREE
Overdraft Protection Available
Direct Deposit FREE
E-statements FREE
Debit Card FREE

*Some restrictions apply. Fee may apply when check is made payable to 3rd party.

***Fees could be waived based on account type.