Fees - Air Academy Credit Union

Table data for Share and Share Draft Accounts (General)
Fee Type	Fee Amount	Alert Me
Interest- Bearing Business Checking Fee	$15.00 per month

Business ACH Payments Origination Service Fee	$25.00 per month

Business ACH Collections Origination Service Fee	$25.00 per month

Temporary Checks Fee	4 for $1.00

Deposited Drafts (and other items) Returned Unpaid Fee	$15.00 per item

Deposit Drafts Returned Unpaid (when payor and payee are the same) Fee	$75.00 per item

Premium Overdraft Service Fee	$32.00 per presentment*

Non-Sufficient Funds (NSF) Fee	$32.00 per presentment**

ACH Representment Fee	$32.00 per presentment

eStatement Fee	Free

Paper Statement Fee	$5.00 per statement

Shared Draft Copy Fee	$2.00 per shared draft

Account Research Fee	$40.00 per half hour

Stop Payment Fee	$32.00 per item

Account Closure Fee (within 6 months of opening)	$25.00

Basic Checking Fee	Minimum daily balance of $500.00 required to avoid a $5.00 service fee

Comeback Checking Fee	$10 per month

Verification of Deposit Fee	$15.00 per item

Check Cashing Fee - Non-Members	$15.00

Accounts will be assessed the Premium Overdraft Service Fee (Standard or Extended Coverage) for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid. An overdrawn balance must be repaid within 32 days. We may not pay items under your Premium Overdraft Service limit if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to us or if your account is subject to any legal or administrative order or levy. *A Non-Sufficient Funds Fee is assessed each time an item is presented against insufficient funds. Any item (check, ACH, or other electronic transaction) that is initially returned to the payee because the Available Balance in your account was not sufficient to cover the item can be represented by the payee for payment multiple times, which is beyond our control. We may charge a Premium Overdraft Service Fee or Non-Sufficient Funds Fee regardless of the number of times an item is presented to us for payment against insufficient funds, and regardless of whether we pay or return the item.

Table data for ATM & Visa® Debit Card Transactions
Fee Type	Fee Amount	Alert Me
Expedited Delivery Fee	$35.00 each

Excessive Loan Lost/Stolen Reissue Fee	$10.00 per reissue

ATM Deposit Correction Fee	$5.00 per item

Foreign* ATM Transaction Fee - Basic Checking or Comeback Checking	$2.00 per transaction

Foreign* ATM Transaction Fee - Rewards Checking	$2.00 per transaction. If account requirements** met, up to $25.00 per monthly cycle refunded (limited to $4.99 per item). See separate Account Requirements disclosure.

Foreign* ATM Transaction Fee - Primary Savings Only	$2.00 per transaction (First 3 per month-no charge)

Foreign = not owned by AACU *Requirements each monthly cycle are as follows (all three must be met): 1. Active enrollment in eStatements 2. 12 or more Visa Debit Card purchases post and clear your account. 3. One direct deposit or ACH auto debit.

Table data for Safe Deposit Box - Only Available at the Monument Branch
Box Sizes*	Required Key Deposit	Annual Fee Amount*
3 x 5 x 22	$20.00	$15.00

3 x 10 x 22	$20.00	$35.00

5 x 10 x 22	$20.00	$65.00

10 x 10 x 22	$20.00	$100.00

*$5 par in Primary Savings is required and deposit enough for Annual Fee and Key Deposit to be pulled at time of opening. Contents within the box is not insured by AACU or NCUA. Membership requirements apply. Primary Account holder must also be primary on the safe deposit box. All safe deposit boxes are first come, first served. No waitlist available.

Table data for Miscellaneous Transactions
Fee Type	Fee Amount	Alert Me
Levies/Garnishments Fee	$85.00

Loan Modification/Extension Fee	$40.00

Skip-A-Pay Fee	$35.00

Automatic Loan Payment Fee	Free

Telephone (live contact) Loan Payment Processing Fee via Debit Card or ACH	$5.00

eCheck (ACH) Automatic Loan Payment Fee (using unauthenticated portal on aacu.com)	$2.95

Debit Card Automated Loan Payment Fee (using unauthenticated portal on aacu.com)	$6.95

Wire Transfer - Domestic Fee	$25.00

Wire Transfer - International Fee	$55.00

Dormant Account Fee	$10.00 per month

Signature Guarantee Fee - Members Only	$35.00 per transaction

Bad Address Fee	$10.00 per month

Foreign Item Deposit Fee	$30.00 per item

Shared Branch Withdrawals Fee (fourth and subsequent withdrawals per month)	$2.00 each

Official Check Fee	$2.00

All fees are subject to change.