Rates Effective December 1, 2009

WHMFCU Debit Card:

     Withdrawals/Points of Sale transactions, first 4 per months                                      Free

      thereafter, per withdrawal                                                                                  $1.50

ACH Origination Fee                                                                                               $5.00

Carfax Report                                                                                                        $15.00

Copy of cancelled check                                                                                        $10.00

Copy of Statement or History Report                                                                       $5.00

Escheat Fee                                                                                                           $20.00

Inactive Account ( 1 year no activity)                                                                        $2.00

Early w/d of Certificate of Deposit        Tied to term of Certificate- up to 90 days interest       

Late Payment fee on Loams                                                                                  $25.00

Non-sufficient Fund Fee (NSF)                                                                             $25.00

Overdraft caused by ATM/ACH withdrawal                                                        $25.00

Overdraft covered by transfer from another account                                               $5.00

Reconciliation fee, per quarter hour                                                                      $10.00

Redeposit of check for deposit made/Loan pymt made                                          $5.00

Replacment ATM plastic Card of PIN number                                                    $10.00

Stop Payment on Corporate Check                                                                   $15.00

Stop Payment on draft                                                                                       $15.00

Uncollected Funds                                                                                             $10.00

Wire Fee

     Incoming                                                                                                      $10.00

    Outgoing                                                                                                       $20.00

All rates and fees are subject to change monthly by the Credit Union Board of Directors