Fee Schedule

Account Fees
Check Book Reconciliation
$5 per ¼ hour, with ¼ hour min.
Dishonored Pre-authorized Payment/Check Written by Member
$25
Dormant / Inactive Account fee (No activity for 12 months, balances less than $100, no other services being used, and member is over 18 years of age)
$3 per month
Draft Printing
Varies
Early Account Closing fee (if closed within 90 days of opening)
$10
IRA Transfer Fee
$25 per transfer
IRA Withdrawal (if before age 59½)
$10 per withdrawal
Notification of Automatic Transfer (Lines of Credit to cover Overdrafts)
$1 per transfer
Official Check Fee (Free if payable to member)  
$2 per check payable to third party
Overdraft/ non-Sufficient Funds
$25 each
Service Charge– Free Checking
Free
Service Charge– Premier Money Market
$25 if balance below $50K
Service Charge- Standard & Premier Money Market
$5 per check in excess of 3 per month
Service Charge –Standard Checking
$3 per month
Stop Payment
$25 ($5/$20) each
Temporary Checks (Free if ordering RMCU Checks at time of request)
$2 per 8 checks
Other Fees
Account Research Fee
$5 per ¼ hour, with ¼ hour minimum
ATM Surcharge Fee –for non-member use of RMCU ATM
$2.50 per transaction
ATM Transactions Performed at Non-RMCU Owned ATM
$1 per transaction
ATM Transactions Performed at RMCU-owned ATM
Free, if performed with RMCU cards
ATM Transactions Performed at Wells Fargo On-Premise ATM
Free, if performed with RMCU cards
ATM/Debit Card Replacement Fee
$5 if the card is lost
Automatic Transfer Limit (Federal Reg D permits a total of 6 transfers from each savings/ money market account by telephone, Audio Response, RMCU Online, Overdraft transfer per calendar month)
$5 each transaction in excess of six
Bad Address
$2 per month
Check Collection Item
$15 plus any additional costs passed onto the credit union
Compliance with Legal Order (Garnishment, Levy, etc)
$35
Domestic Wire Transfer – outgoing
$15 –provided wiring instructions provided

$20- No wiring instructions provided
Duplicate Statement
$2 per month
Fax Receiving –Non-credit union related business
$2 first page + $1 each add’l page
Fax Sending –Non-credit union related business
$5 first page + $1 each add’l page
Foreign Wire Transfer - Outgoing
$40 regardless of currency type sent
Long Distance Call
$2 per call
Medallion Signature Guarantee
$10 per transfer
Money Orders
$1 each
Normal ATM Limitation on Cash Withdrawals
$209 per day
Photocopy
$1 per page
Travelers Cheques
$1 per $100 purchased
Travelers Cheques for 2 signatures
$1.50 per $100 purchased
Loan Fees
Consumer Loan Extension, per extension
$15 plus all interest owing
Consumer Loan Refinance fee (in house), per occurrence
$15 plus all interest owing
Home Equity Loan Application Fee
$250
Inspection Fee, if applicable
$50 if in house conducted
Mobile Home Filing Fee –includes title and UCC fees
$25 per title
Subordination of Mortgage, per subordination
$25 + recording fee
Title Filing Fee
$12 per title
Title one Home Improvement Fee
$235
 

   

Effective June 1, 2008
All Fees subject to change.
All Fees are applicable to all accounts unless specifically indicated.

3400 N Montana, Helena, MT 59602 | Phone: 406-449-2680
1820 11th Ave., Helena, MT 59601 | Phone: 406-449-2680

8645 Huffine Lane, Bozeman, MT 59718 | Phone: 406-586-1505

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