Fees

Share Savings

Minimum balance of $25 required on main share account
$3 per month fee if balance falls below $25 at any time during the month

Checking Accounts

Stop payment fee - $12 per request to stop or reinstate
Starter checks - Free with new account, $3* per pack thereafter
Copies of cleared checks - $3* per check
Research/reconciliation - $20 per hour (first reconciliation free)

General Fees

Check cashing - $3 per check, waived for members with accounts above the Basic level and for those under age 24
Overdraft protection - $9 per transfer
Courtesy pay - $25 per item
Non-sufficient funds - $25 per item
Statement copy - $3 per month or $30 per year
Telephone transfer - $3* per transfer (FREE with CU*TALK or It's Me 247)
Cashier’s check - $2* per check

Debit Card

ATM	- Free for withdrawals at LCU-owned ATMs
	- 3 free PIN-based transactions per calendar month; unlimited if account is at Premium or VIP level of VIP Rewards
	- $0.50 after 3*

Receipt copy - $5 each
Dispute - $20 each
Replacement card - $5

Money Orders

Value less than $500 - $1* per money order
Value of $500 - $999.99 - $2* per money order

Wire Transfers

$15 to send or receive a domestic U.S. wire transfer through LCU
$55 to send and $15 to receive a foreign wire transfer through LCU

*Fee is WAIVED if your account is in the Premium or VIP level of VIP Rewards
All rates and fees are subject to change. Full disclosures are available on request.