1. Cash Advance Fees may be assessed in the following amounts:
     For all Visa Accounts:

1.1 1% of amount advanced ($1.00 minimum) if advance is received by my signing a Visa transaction authorization after the teller has taken an imprint of my Visa Card, Automated Teller Machine (ATM), Visa Checks, ExpressLine or On-Line Banking transfers or advances, or through overdrafting.

1.2 For international multicurrency transactions processed in U.S. dollars, VISA will add a 1% International Service Assessment (ISA) fee to the transaction amount. For international single currency transactions processed in U.S. dollars, Visa will add a 0.80% ISA fee to the transaction amount.

2. Over Limit Fee:

For fixed-rate Visa Classic and fixed-rate Visa Gold, $10.00 in any statement period in which I have exceeded my authorized credit limit by more than 20%.

For variable-rate Visa Platinum and variable-rate Visa Classic, $15.00 in any statement period in which I have exceeded my authorized credit limit by more than 20%.

3. Late Fee: If payment is 10 or more days late, we will charge $15 on variable-rate VISA accounts or $5 on fixed-rate VISA accounts.

4. Balance Transfer Fee: For all Visa Accounts, a fee of 1% of the balance transferred.

5. Account Research: $20.00 per hour ($10.00 minimum) unless research reveals a Credit Union error.

6. Dishonored Check or Transfer: $10.00 per occurrence.

7. Additional Cards: No charge.

8. Replacement Cards: No charge.

9. Copy of transaction slip: $10.00 per copy.

10. Billing statement: $1.00 per copy of a previous month's billing statement.

11. Copy of Visa Check: 2 free per month, $2.00 each thereafter.

Please refer to the Visa Credit Card Agreement and Disclosure statement for complete details.
For Fixed-Rate Visa Classic and Gold, click here.
For Variable-Rate Visa Classic and Platinum, click here.

Updated: 4/4/2008