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As of 4-23-25

Consumer Fees

Each fee is subject to change without notice, and, based on the fee type, could be withdrawn from your Share Savings, Free Checking, Connect, or another account. For details, view “Disclosures Summary.”

 

Category Type of Fee Description Fee
ATM & Other Cards Card replacement

Each

Debit (ATM) Card, Home Equity Access, or Visa® Credit Card
# of free yearly for each relationship type: Bronze = 0,

Silver = 1, Gold = 3

# free yearly for members age 60+ = 1

$15;
Express card $25
ATM & Other Cards Transactions at ATMs not owned by LAFCU --------

Subject to fees charged by ATM owner
ATM & Other Cards Withdrawals for LAFCU Members At LAFCU ATMs & CO-OP ATMs

Free
ATM & Other Cards Withdrawals for LAFCU Members At Non-CO-OP ATMs
# of free monthly for each relationship type: Bronze = 2, Silver = 4, Gold = 6

$2.00
ATM & Other Cards Withdrawals for LAFCU Members At LAFCU ATMs using a non-LAFCU card, each

$2.99
Checking Accounts "Free Checking" Account Monthly

FREE
Checking Accounts "Connect" Transaction Account Maintenance fee (waived with a single direct deposit or debit card transaction during the month), per month

$5
Checking Accounts Check Cashing For LAFCU Members (free to all Silver & Gold relationships or with a LAFCU checking account)

1% of check, $5 minimum fee
Checking Accounts Check Cashing For non-LAFCU Members (for cashier’s checks or LAFCU checks only), per check

$10
Checking Accounts Check Deposits First 20 checks per day & First 100 check deposits per month free, then per check

17 cents
Checking Accounts Check Printing

For printing additional checks. Unlimited check writing

# of free boxes of Standard LAFCU checks upon account opening (all accounts) = 1
# of free boxes per year of Standard LAFCU checks, upon request: Bronze = 0, Silver = 1, Gold = 3
# free boxes per year for members age 60+ = 1

Varies
Checking Accounts Temporary Paper Check First eight (8) free for new checking accounts (& Silver & Gold, and for members age 60+), then for 8:

$5
Copies Account history Non-statement copy (free for Silver & Gold, & members age 60+), per print

$2
Copies Cashier’s Checks & Convenience Loan Checks Each

$5
Copies Cleared personal & Bill Pay checks, each Two items per statement period are free for the last 12 months, then each

$5
Copies Photocopies Free for LAFCU business, or each

50 cents
Copies Statement retrieval & copies Free for last 3 months for Silver & Gold, & for members age 60+, or each
Get up to 36 months of statements free inside Online Banking

$5
General Fees Bad address/returned mail First statement free, then fee per statement thereafter
(No charge for 1st statement mo. w/bad address)

$5
General Fees Below Minimum Balance Transaction When a withdrawal makes your combined balance under $50 from these accounts:
Checking, Holiday, IRA, Money Market, Share Certificate, & Share Savings. Fee will not be charged again during the month if no other withdrawals are made from your combined accounts. Not applicable to members age 17 & under.

$3
General Fees Cashier’s Checks

Each

  • # free monthly for each relationship type: Bronze = 0,

Silver = 1, Gold = 3

  • # free monthly for members age 60+ = 1

$5
General Fees Clerical Work Research & document reproduction to authorized third parties
charged as allowed by law, per hour. Recall wire charged 2 hours minimum.

$25
General Fees Closing a LAFCU Membership Account Within 90 days of opening

$10
General Fees CoinstarTM Machine At designated LAFCU Branches, % of total coins accepted:
  • Direct Deposit into a LAFCU Checking account using a LAFCU Debit Card:
    0% Consumer & Business Accounts
  • Coupon Fees Using a LAFCU Teller:
    6% Consumer Accounts
    8% Business Accounts
    12% Non-LAFCU Member Accounts

Free to 12%
General Fees Courtesy Pay for paid items Checks (Share Drafts), Online Payments, &
Automated Clearing House (ACH)

$29 per presentment;
$145 daily maximum
General Fees Collection items / Foreign Check Processing Subject to outside charges, minimum

$10
General Fees Direct Deposit Advance Application Per advance (max $500; Subject to approval;
New advance after prior advance paid in full)		 $18 (automated repayment)
& $20 (manual
repayment)
General Fees Express delivery of an item Each

$25
General Fees Foreign Currency shipped overnight to a LAFCU branch Currency is delivered the following business day.
Purchaser of currency will be contacted by a LAFCU representative to arrange pick-up.

$20
General Fees Foreign Currency shipped overnight to purchasers address Currency is delivered the following business day. Adult signature required upon delivery. Order must be placed by 3pmPST and all orders shipped via FedEx. Five-day buy-back guarantee for a full refund.

$25
General Fees Foreigh Currency sold at a LAFCU branch Fee to ship currency back to vendor (CXI). FedEx will pick up currency at the branch.

$20
General Fees Foreign Transaction Exchange Rate For transactions initiated in foreign countries & foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. dollars) will be:
(a) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives; or
(b) the government-mandated rate in effect for the applicable central processing date. In each instance, plus 1.00%

Varies
General Fees Inactive Share Savings or Checking Account No activity for 18 consecutive months), per month (free to mbrs age 17 & under)

$3
General Fees Legal processing Each

$50
General Fees Low Balance

Monthly charge if your combined balance is below $50 from these accounts:
Checking, Holiday, IRA, Money Market, Share Certificate, and Share Savings.
Not applicable to members age 17 & under.

 

$3
General Fees Los Angeles Federal Credit Union membership fee One-time

$5
General Fees Los Angeles Charitable Association (LACA) Annual membership dues

$10
General Fees Medallion Signature Guarantee

Each

  • # of free yearly for each relationship type: Bronze = 0,

Silver = 1, Gold = 3

  • # free yearly for members age 60+ = 1

$10
General Fees Non-Sufficient Funds (NSF) / Overdrawn. Includes returned checks (Share Drafts, Money Market Checks), Automated Clearing House (ACH),
REG D, Uncollected Funds (UCF), & HELOC Convenience Checks.

$29 per presentment;
$145 daily maximum
General Fees Notary Service Per document.
  • # of free monthly for each relationship type: Bronze = 0, Silver = 1, Gold = 3
  • # free monthly for members age 60+ = 1
  • No fee if Notary used for LAFCU business. Only for LAFCU members.

$15
General Fees Overdrawn/Courtesy Pay For Debit Card Transactions including ATM, POS, Debit, & Credit

$29 per presentment;
$145 daily maximum
General Fees Returned item (ACH or Check) For loan payment or deposit if the deposited check or item is from a third party

$15
General Fees Returned item (ACH or Check) For loan payments or if the deposited check/item is from an account a LAFCU member has at another financial institution

$29
General Fees Rolled coins Depending on denomination

The greater of $0.10
or 5% per roll
General Fees Vehicle pricing assistance First 3 free per month, per report after First 3
(Fee waived with approved & funded vehicle loan within 30 days of report date)

$2
General Fees Verification of Deposit (VOD) Each

$10
Loans Consumer Loan Skip-A-Payment service Per skip

$30
Loans DMV Processing For non-dealer transactions, each

$25
Loans Loan Extension/Modification Each

$30
Loans Loan Payments Check by Phone & Online Payment Center, each

$12
Loans Real Estate Demand Each

$30
Loans Real Estate Rate Re-Lock Fee Investor loans are ineligible for Rate Re-Locks

$250
Loans Real Estate Reconveyance Each

$95
Loans Real Estate Subordination Each

$150
Online & Mobile Banking DoubleCheck Daily service fee, regardless of number of transactions

$10
Online & Mobile Banking DoubleCheck For credit card payments, an additional processing fee is
assessed based on amount charged, per transaction

2.50%
Online & Mobile Banking Bill Pay service inside Online Banking Pay unlimited # of bills

Free
Online & Mobile Banking Bill Pay service inside Online Banking Expedited “next business day” payment if payee accepts electronic payments, per payee

$5
Online & Mobile Banking Bill Pay service inside Online Banking Expedited “next business day” payment with a paper check, per payee

$25
Online & Mobile Banking Bill Pay Non-Sufficient Funds (NSF) Each

$29
Online & Mobile Banking Internal Funds Transfer --------

Free
Online & Mobile Banking Mobile Deposit Adjustments Discrepancy between actual and deposited amounts, endorsement requirements not met, and prohibited deposit items.

$10
Online & Mobile Banking Online Money Market Account If you conduct transactions yourself

Free
Online & Mobile Banking Online Money Market Account
  • Per transaction at a LAFCU Branch, with a LAFCU Phone Representative, or non-LAFCU Shared Branch, each
  • Per paper copy of any account statement, each

$8
Savings Accounts Holiday Savings Account early withdrawal Per withdrawal

$10
Savings Accounts Individual Retirement Account (IRA) Opening fee & annual fee (Free for Silver & Gold, & mbrs age 60+), each

$5
Savings Accounts Individual Retirement Account (IRA) Transfers to other financial institutions, each

$20
Savings Accounts Overdraft Protection ODP from Share Savings & Money Market accounts (Free for Silver & Gold), per check or item paid

$6
Stop Payments ACH credit or debit Cashier’s Checks, & Visa Convenience Checks

$26
Stop Payments Online Bill Pay payments At a branch or on the phone with an MSR, each

$26
Stop Payments Online Bill Pay payments By Online Banking, each

$15
Stop Payments Paper personal checks (including HELOC checks) At a branch or on the phone with an MSR, each

$26
Stop Payments Paper personal checks By Online Banking, each

$15
Visa Credit Cards Balance Transfer For Signature Rewards Platinum only, % of the transferred amount

3% (minimum $10
& maximum $250)
Visa Credit Cards Cash Advances
  • Interest is charged from the date of transaction.
  • A 2% fee is charged for advances on all Visa Credit Cards, except for HELOC Access Cards.
  • For advances at ATMs owned by LAFCU: Either $10, or 2% of the amount advanced plus $2.50, whichever is greater
  • For advances other than those at ATMs owned by LAFCU: Either $10, or 2% of the amount advanced, whichever is greater.

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Visa Credit Cards Late Payment After the cycle date closes

$20
Visa Credit Cards Merchant Draft Copy Each

$5
Visa Credit Cards Pay By Phone Each

$10
Visa Credit Cards Returned Payment Per return

$26 maximum
Wires International Trace Each

$30
Wires Incoming Transfer Each

$10
Wires Outgoing Domestic Transfer Each.
  • 1 free wire per month for Silver; free wires for Gold
  • 1 free wire per month for members age 60+

$25
Wires Outgoing Online Domestic Transfer Each

$10
Wires Outgoing International Transfer Each

$45 Gold;
$60 all others
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