Fees

Fee Schedule

(Effective August 3, 2018)
Click here to view or download our Fee Schedule

ATM & VISA Check Card Services

  • ATM or VISA Check Card
    • 1st card issued: FREE
    • Replacement fee: $8.00
    • Monthly fee: NONE
  • Card activity (per transaction)
    • Armco CU ATMs: FREE
    • Foreign ATMs (in excess of 10/month): $1.00
    • Check Card fee per purchase: NONE

Checking Services

  • Check copy
    • Accessed through Online Banking: FREE
    • Paper copy: $3.00
  • Courtesy Pay: $25.00
  • Minimum balance: NONE
  • Monthly service charge: NONE
  • Non-Sufficient Funds (NSF) fee: $25.00
  • Overdraft Protection
    • ACH, BillPay, per posted item: $7.50
    • Checks, per day: $7.50
  • Per check charge: NONE
  • Starter checks: FREE
  • Stop payment: $20.00

Electronic Services

  • BillPay: FREE 1
  • Direct Deposit: FREE
  • E-alerts notification service: FREE
  • Mobile Banking: FREE
  • Mobile Deposit: FREE
  • Online Banking: FREE
  • Payroll Deduction: FREE
  • Tele-R-Phone: FREE

Loan Services

  • Guaranteed Asset Protection(GAP): $265.00
  • Home Equity
    • Origination fee: $150.00
    • Subordination fee: $150.00
    • Rewrite fee (current Armco CU loans): $75.00
  • Late payment fee (% of payment): 5%
  • Mortgage 2
    • Application fee: $200.00
    • Pre-approval: FREE
  • Online Loan Closing: FREE
  • Personal Line-of-Credit annual fee: NONE

Other Services

  • Account research (per hour): $25.00
  • Certified Checks: $10.00
  • Christmas Club early withdrawal fee: $10.00
  • Coin Machine: FREE 3
  • Collection fee: $35.00
  • Dormant accountper month after 12 months: $5.00
  • Foreign check collection: VARIES
  • Garnishments: $75.00
  • Loan payment by debit card
    • Up to $1,000.00: $10.00
    • Over $1,000.00: $20.00
  • Money Orders: $2.00
  • Return deposit item: $10.00
  • Tax Levies & Domestic Relations: $75.00
  • Trust account review by attorney: $165.00
  • Undeliverable mail: $5.00
  • VISA gift cards: $2.50
  • Wire Transfers
    • Incoming: $10.00
    • Outgoing (Domestic): $20.00
    • Outgoing (International): $30.00

VISA Credit Card Services

  • Annual fee: NONE
  • Balance transfer fee: NONE
  • Card replacement fee: $8.00
  • Cash advance fee: NONE
  • Late payment fee (if 20 or more days late): $15.00
  • Minimum finance charge: NONE
  • Over-the-credit limit fee: NONE
  • Purchase transaction fee: NONE
  • Returned check / NSF fee: $25.00

1 A non-usage fee of $10.00 per month will be assessed to your checking account if BillPay is not utilized for 90 consecutive days without written notice of cancellation to ARMCO CU.

2 Closing costs vary based on loan type.

3 Coin machine fee of 5% applies to non-members.