Personal Fees

Understanding ATM Fees

There are two types of ATM fees that can be charged: 1) a fee that can be applied by the financial institution that holds your card every time you use it and 2) a surcharge fee that can be applied by the financial institution that owns the ATM you use.

VSECU does not impose card usage fees and does not impose a surcharge fee at ATMs in our network.

ATM Fees
ATM Network Type	NEFCU/VSECU Card Usage Fee	ATM Surcharge Fee
* You may use your ATM/debit card from us at any of our ATMs without incurring a fee. If you use an ATM not owned by us, the non-NEFCU ATM Fee will apply as outlined above. Additionally, you may incur a surcharge fee from any institution for using their ATM. Transactions through the CO-OP Network are surcharge-free. The $1.50 non-NEFCU ATM fee will be charged if applicable.
ATM Network Type ATM Surcharge	NEFCU/VSECU Card Usage Fee None	ATM Surcharge Fee Other institutions may charge to use their ATMs. See free ATMs.
ATM Network Type CO-OP ATM	NEFCU/VSECU Card Usage Fee None	ATM Surcharge Fee None
ATM Network Type NEFCU/VSECU ATM	NEFCU/VSECU Card Usage Fee None	ATM Surcharge Fee None
ATM Network Type Non-NEFCU ATM Fee*	NEFCU/VSECU Card Usage Fee None	ATM Surcharge Fee 4 free per month; then $1.50 for each non-NEFCU ATM transaction (withdrawals and transfers).
ATM Network Type Out of Network ATM	NEFCU/VSECU Card Usage Fee None	ATM Surcharge Fee Yes

Account Fees
Action	Fee
* Applies to non-sufficient funds or overdraft items created by check, in-person and ATM withdrawal, or other electronic means. Maximum of two (2) paid or returned fees per day per account. Fee is waived if your account is overdrawn by $10 or less. The NSF fee is charged each time an item is presented for payment against insufficient available funds. Multiple presentments of the same item may result in multiple fees.
Action Checking Inactivity	Fee $5 per month for checking accounts with balances under $500 and no activity for 365 consecutive days
Action Edge Pay Subscription	Fee $4.95 monthly
Action International Transaction Fee*	Fee 1% of transaction amount
Action Non-Sufficient Funds (NSF)*	Fee $14
Action Overdraft Transfer	Fee 4 free per month, then $3.00 each
Action Returned Statement	Fee $5 – future mailings suspended until address is corrected

Service Fees
Service	Fee
Service Abandoned Property/Escheatment Processing Fee	Fee $25 per membership
Service Account Reconciliation/Research	Fee $35 per hour
Service Bill Pay Overnight Check Payment	Fee $14.95 per transaction
Service Bill Pay Same Day Electronic Payment	Fee $9.95 per transaction
Service Card Replacement (ATM or Debit)	Fee $5 Standard (1 free per account per year); $15 Expedited
Service Check Copy	Fee $3 each (digital copy free with online banking enrollment)
Service Check Order Prices	Fee Varies by style
Service Domestic Wire Transfer (outgoing)	Fee $15 each
Service Edge Pay Checking Paper Statement	Fee $3 each
Service Foreign Check Collection	Fee $35 each
Service Foreign Wire (outgoing)	Fee $30 each
Service Official Check (Cashier’s Check)	Fee $2 each (free if payable to self, or drawn on your Home Equity Line of Credit)
Service Paper Statement Copy	Fee $5 per statement (e-Statements free with enrollment)
Service Returned Deposited Item	Fee $5 when item is from a third party; $24 when item was written off an account owned by you
Service Stop Payment (Check or ACH)	Fee $19 per item; or multiple items within a range
Service Temporary Checks	Fee One free sheet (4 checks) per month; then $2 per sheet (4 checks)

Mortgage Closing Costs
Item	Fee
Item Appraisal	Fee $500 single family or $650 2-4 family
Item Credit Report	Fee $34 for single person or married couple
Item Discount Points	Fee Each point is equal to 1% of the loan amount
Item Flood Certification	Fee $9
Item Lenders Inspection	Fee $750 if construction loan, $375 for modular 5/1 ARM
Item Origination Fee	Fee Each point is equal to 1% of the loan amount
Item Property Inspection	Fee $125 final inspections for completion of property or other repairs
Item Recording Fee	Fee $230
Item Settlement Agent	Fee $500–Bennington and Windham counties $400–All other counties
Item Tax Service Fee	Fee $88
Item Title Insurance	Fee $170 for $50,000 or less, $170 [(Loan Amount/1000-50) x 2.25]
Item Title Search	Fee $650 for purchase, $400 for refinance
Item Underwriting	Fee $375