Fee Schedule
Other Service Fees (Applicable to all accounts)
| Account History Printout | $5.00 per 5 days of history |
| Account Closure | $5.00 (if opened less than six (6) months) |
| Account Reconciliation | $20.00 per hour |
| Account Research | $50.00 per hour |
| Attorney Letter/Collection | $75.00 per letter |
| Check Photocopy | $5.00 per item |
| Corporate/Cashier Check | $5.00 per check |
| Guaranteed Signature | $50.00 each |
| Inactive Account | $15.00 per month (withdrawn after one (1) year inactive period) |
| Instant Payments (Receive) Transaction | Free |
| Instant Payments (Send) Transaction | 1.9% convenience fee |
| MasterCard Debit Card Replacement | $5.00 |
| Non-Member Check Cashing Fee | $15.00 per transaction |
| Non-Member Credit Card Cash Advance | $15.00 per transaction |
| Non-Sufficient Funds | $39.95 per item |
| Non-Sufficient Funds Fee Loan Payment Reversal | $39.95 per item |
| Notary Fee | $6.00 |
| Payments from external accounts Visa, MC (debit card only) | $4.95 |
| Payments from external accounts ACH | $4.95 |
| Payments by Card (debit card only) through Call Center agent | $9.95 each |
| Payments by Card (Debit Card Only) through Digital Banking | $2.95 each |
| Skip-A-Payment Fee | $30.00 each |
| Runner Collection for Insufficient Funds Fee | $10.00 per item |
| Statement Copy Fee | $2.50 per mailed statement copy, or $5.00 convenience fee for an immediate print out at any Branch. |
| Statement Fee | $2.50 per month |
| Stop Payment ACH/Corporate Check | $19.95 per item |
| Tax Document Copy Fee | $2.50 per mailed document copy, or $5.00 convenience fee for an immediate print out at any Branch. |
| Telephone Transfer | $5.00 per call |
| Verification of Deposit | $25.00 per item |
| Western Union | $30.00 |
| Wire Transfer (Incoming) | Free |
| Wire Transfer (Outgoing) | $35.00 per transfer |
Checking Account Fees
| ATM Foreign Transaction | $5.00 per transaction |
| Check Printing | Prices may vary depending upon style |
| Checking Account Service | Free |
| Non-Sufficient Funds (NSF)1 | $39.95 per item |
| Stop Payment ACH/Personal Check | $19.95 per item |
| Stop Payment for Series of Checks in Sequence | $19.95 per series |
Courtesy Pay and Overdraft Protection Fees
| Courtesy Pay2 | |
| Each transaction under $10 | $5.00 per transaction |
| Each transaction over $10 | $19.00 per transaction |
| 6 per day, $114.00 max charged | |
| Overdraft Protection Transfer Fee3 (from deposit account) | $10.00 each |
| Overdraft Protection Transfer Fee4 (from Line of Credit Advance in Increments of $100.00) | $5.00 per advance |
https://raiz.us/wp-content/uploads/2026/05/RaizFCU_Overdraft_Disclosure_2026_.pdf
Business Services Fees
| Business Account Cash Processing – for amounts over $10,000 | $100.00 |
| Business ACH (per batch) | $25.00 |
| Business Wire (Outgoing) | $35.00 per wire |
Mortgage Servicing Fees
| Recording Fee | $25.00 |
| Lien Release Fee | $20.00 |
| Payoff Quote Fee | $25.00 per quote |
| 1098 Tax Form Copy | $2.50 per mailed document copy, or $5.00 convenience fee for an immediate print out at any Branch. |
| Loan Modification | $200.00 |
| Subordination | $225.00 |
| Property Inspection Fee | Pass through fee from the property inspector |
Safe Deposit Box Fees
| 5 x 10 Box | $50.00 |
| 10 x 10 Box | $100.00 |
| Emergency Drill Schedule (Member No-Show)5 | $375.00 |
| Key Deposit | $25.00 |
| Lost Key (1) | $15.00 |
| Both Keys Lost (Lock Replacement and/or Emergency Drill5) | $375.00 |
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