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Truth in Savings Fee Schedule Randolph Brooks Federal Credit

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									                                  Truth in Savings Fee Schedule
An important benefit of membership is most fees and charges are lower than other financial institutions. Compare us and
you will find many Randolph-Brooks services are free! The following fees may be assessed in connection with your
Accounts without advance notice to you.

Membership                                                             ATMs & Freedom Check Cards
Membership at Randolph-Brooks is FREE; just maintain the               Signature-based Transactions.... FREE
required minimum balance of $5 in your savings account.                Withdrawals/Inquiries/Transfers
                                                                        at ATMs owned or affiliated
Savings Accounts                                                                              6
                                                                        with Randolph-Brooks ............. FREE
Regular Savings ......................... FREE                                                  6
                                                                       Co-Op ATM Transactions ......... FREE
Money Market ............................ FREE                         Foreign ATM Transactions ......... $1 each
 ($2,500 minimum daily balance)
                                                                       Safe Deposit Boxes (annual cost)
Checking Accounts
                                                                       2x5 (Live Oak Branch) ............... $15
Really Free Checking ................. FREE                            3x5 .............................................. $20
                                               1
Business Checking ..................... Varies                         3x10 ............................................ $30
ePay Bill Payment Service ......... FREE                               5x10 ............................................ $50
Standard Checks-Online ........... FREE                                10x10 .......................................... $75
General Services                                                       15x10 (Windcrest Branch) .......... $100
                                                                       Locksmith Services ..................... $110 or more
Account Reconciliation Research $15 per hour
Calls to our Member Service Center FREE                                Please Note
                                                     2
Cashier’s Check ......................... FREE                         All fees are assessed at the time of service or deducted from your
Copies                                                                 account. If the balance is insufficient, you will be notified to pay
  Checks ..................................... $1 per copy             the required fee. We may charge any of your accounts for any fee
                                                                       due.
                                               (in excess of
                                               two copies per month)   Any fees or charges assessed to us for extra service or special
                                                                       handling of your account will be passed on to you. This Fee
Statement ................................... $1.50 per copy           Schedule is subject to change at any time. Members will be
Collection Items (sent or received)                                    notified as required by law of any changes in charges that may be
  Domestic .................................. $5 per item              imposed on an Account.
                                                      3
  Foreign..................................... varies                  1 Business Checking may be assessed a $0.20 per item fee based
                                                            4
Courtesy Pay .............................. $20 per item               on usage.
Electronic Statement .................. FREE                           2 First Cashier’s Check per day is free; $.50 each thereafter.
Garnishment or Levy .................. $25 per notice
                                                             8         3 If we must send a check or draft for collection, any outside
ID Protect ................................... $1 per month            fees will be charged to your Account.
                                                             5
Inactive Account ......................... $5 per month
             SM                                                        4 The Courtesy Pay fee is assessed for transactions that we
MasterCard Gift Card.............. $3 per card
                                                                       choose to pay when no other form of overdraft protection is
Money Orders............................. $ .50 each                   available. Due to regulatory requirements, a member must “opt in”
Net Branch Online                                                      to receive the services of Courtesy Pay. We pay all checks and
Account Access .......................... FREE                         debits on your checking account in order of arrival sequence
Notary Service ............................ FREE                       throughout the day.
Non-Sufficient Funds (NSF) ....... $20 per item                        5 Accounts are “inactive” when there is no activity initiated by you
Overdraft Protection                                                   for 12 consecutive months and the primary Accountholder’s
(auto transfer from savings or LOC) FREE                               combined savings and checking balance is below $50.
Returned Deposit ....................... $15 per item                  6 ATMs are located at all Randolph-Brooks locations, selected
Returned Business Deposit ........ $5 per item                         off-site locations, and other financial institutions. Check our web
Signature Guarantee .................. FREE                            site for a list of affiliated ATMs.
Stop Payment ............................. $15 each                    7 Travelers Cheques are not available at all branches.
American Express                                                       8 Identity Fraud Protection
                         7
Travelers Cheques .......................... $ 1/2%
International Wires ..................... $8                           Randolph-Brooks Federal Credit Union
                                                                       P.O. Box 2097
Wire Transfer                                                          Universal City, TX 78148-2097
  Incoming .................................. FREE
  Outgoing .................................. $8                           210-945-3300 (San Antonio)      512-833-3300 (Austin)
                                                                                         Toll Free 1-800-580-3300
                                                                                          https://www.rbfcu.org/



M161AA R 09-05-12                                                                                                                             21

								
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