Disclosures
Disclosures
Please take the time to read the following account agreements and disclosures. If you have any questions, please contact us at (888) 772-3040.
Jersey Central Federal Credit Union - Fee Schedule
Effective 1/1/2024
DESCRIPTION |
FEE |
HOW TO AVOID FEE |
|---|---|---|
| Account Research/Dispute Research Fee | $25.00 per hour (1 hour min) | Safeguard your account information, review statements regularly, notify us right away of any issues |
| ACH/Draft Stop Payment Fee | $25.00 per request | Address issues with payees/creditors directly |
| Alternate Payee Fee Teller check withdrawals made payable to third party |
$5.00 per check | Pay bills using checking account and/or online bill pay |
| ATM/Debit Card Transaction Fee *Card use may be subject to fee by merchants and/or ATM owners |
FREE* | Conduct transactions at surcharge-free terminals |
| Bad Address/Returned Mail Fee | $2.00 per occurance | Keep your contact information up to date |
| Card Replacement Fee Excessive requests for card replacement |
$10.00 | Take appropriate care to secure your card, no fee for stolen or damaged card replacement |
| Copy of Paid Member Check | $5.00 per check | Retrieve check images through online banking |
| Courtesy Pay Fee Movement of unavailable funds by the credit union to cover payments |
Up to $25.00 per occurrence | Be sure to have adequate funds in your account before initiating payments |
| Dormant Account Fee Accounts with no activity for 12 months. Dormant accounts with $0.00 balance will be closed. |
$10.00 per quarter | Conduct a transaction (deposit or withdrawal) at least once per year |
| Early Account Closure Fee Fee is assessed for accounts that are closed within 6 months of opening |
$25.00 per account | Maintain account for at least 6 months |
| Excess Savings Withdrawal Fee 6 free withdrawals/transfers per month - see Truth In Savings disclosure for more information. |
$10.00 per transaction | Conduct transactions on checking account instead of savings |
| Late Payment Fee Fee is assessed on each loan if payment is received more than 10 days after the due date |
$10.00 ‐ $50.00 per loan per month | Remit total payment amount by the loan due date |
| Levy Processing Fee Fee applies to levies, garnishments, etc. when funds are remitted |
$25.00 per levy | Address debt issues with creditor(s) |
| Loan Application Fees | $15.00 ‐ Share loan $35.00 ‐ Signature loan $40.00 Vehicle loan $250.00 ‐ Home Equity Loan |
Cannot avoid these fees |
| Loan Modification/Refinance | $25.00 per loan | Document a financial hardship |
| Negative Account Balance Fee | Up to $40.00 per occurence | Be sure to have adequate funds in your accunt before initiating payments and/or setup overdraft protection |
| Notary Public Services | FREE | This service is for members only |
| Online Bill Pay *Expedited payment delivery may be subject to surcharge |
FREE* | Allow adequate time for payments to be processed |
| Online/Mobile Banking | FREE | No fee to use these basic tools |
| Overdraft Transfer Fee Movement of available funds by the credit union to cover payments |
$5.00 per transfer | Be sure to have adequate funds in your accunt before initiating payments |
| Overnight Delivery Fee Standard delivery is 1 st Class US Postal Service |
USPS Rate | Conduct activity electronically, inquire for more info |
| Paper Statement Fee *Exemption for minors and members 65+ |
$2.00 per statement* | Enroll in e-statements through online banking |
| Returned Item Fee | up to $25.00 per item | Be sure to have adequate funds in your accunt before initiating payments, address payment issues with payee(s) |
| Shared Branching *Some transactions may incur a fee by the individual branch location |
FREE* | Ask the individual branch about fees prior to conducting transaction |
| Skip‐A‐Payment Fee Allowed once per calendar year per loan, cannot skip consecutive months (i.e. Dec & Jan) |
$20.00 per loan | Cannot avoid this fee |
| Stale Dated Check Fee Teller checks not cashed within 90 days of issuance |
$5.00 per check | Deposit/cash check within 90 days of issuance |
| Statement Copy Fee | $5.00 per statement | Enroll in e-statements through online banking |
| Teller Check Fee Teller check withdrawals less than $500.00 |
$5.00 per withdrawal | Conduct transactions using self service options (Shared branching, ATM/debit card) |
| Teller Check Stop Payment Fee | $35.00 per check | Deposit/cash check within 90 days of issuance, contact us right away if check is lost/stolen |
| Visa Gift Card Activation Fee | $2.50 per card | Cannot avoid this fee |
| Wire Transfer Fee | $15.00 incoming $25.00 outgoing |
Transfer funds between accounts via online banking or billpay |
Other product fees may exist and will be disclosed at time of use.
This disclosure describes your ability to withdraw funds at JCFCU.
Keeping your personal information safe is our priority.
Find out how we collect, use, share, and protect information about you by viewing our policy.
| FACTS | WHAT DOES JERSEY CENTRAL FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? | ||
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. | ||
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
| ||
| How? | All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons Jersey Central Federal Credit Union chooses to share; and whether you can limit this sharing. | ||
| Reasons we can share your personal information | Does Jersey Central Federal CU share? | Can you limit this sharing? | ||||
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus |
Yes | No | ||||
| For our marketing purposes - to offer our products and services to you |
Yes | No | ||||
| For joint marketing with other financial companies | No | We don't share | ||||
| For our affiliates' everyday business purposes - information about your transactions and experiences |
No | We don't share | ||||
| For our affiliates' everyday business purposes - information about your creditworthiness |
No | No affiliates | ||||
| For our affiliates to market to you | No | No affiliates | ||||
| For nonaffiliates to market to you | Yes | Yes | ||||
| To limit our sharing | - Call 888-772-3040 - our menu will prompt you through your choice(s). - Visit us online: email us at office@jerseycentralfcu.com Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
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| Questions? | Call 888-772-3040 | |||||
| What we do | ||||
| How does Jersey Central FCU protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. | |||
| How does Jersey Central FCU collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
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| Why can't I limit all sharing? | Federal law gives you the right to limit only
State law and individual companies may give you additional rights to limit sharing |
|||
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account(s). |
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| Definitions | ||||
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Jersey Central FCU does not have affiliates. | |||
| Non- Affiliates | Companies not related by common ownership or control. They can be financial and nonfi nancial companies. Nonaffiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, and others. |
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| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Jersey Central FCU does not share with joint marketers. |
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Contact Us
Jersey Central FCU
23 North Ave East
Cranford, NJ 07016
Mailing address:
P.O. Box 661
Cranford, NJ 07016
Tel : 888-772-3040
Fax : 908-272-6029
Email : office@jerseycentralfcu.com
Office Hours :
Monday - Friday: 9:00 a.m. – 4:30 p.m.
We are an Equal Housing Opportunity Lender. Federally insured by the NCUA. Your savings are insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act.
Equal Housing Lender
We Do Business in Accordance With Federal Fair Lending Laws
UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:
• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or to deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan or in appraising property.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act and to:
National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428
For processing under NCUA Regulations
UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:
• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right was exercised under the Consumer Credit Protection Act.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428