Jersey Central FCU

Disclosures

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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 1/1/2021

DESCRIPTION	FEE
Account Research/Dispute Research Fee Safeguard your account information, review statements regularly, notify us right away of any issues.	$25.00 per hour (1 hour min)
ACH Return/Stop Payment Fee Be sure to have adequate funds in your accunt before initiating payments, address payment issues with payee(s)	$10.00 per item
Alternate Payee Fee *Card use may be subject to fee by merchants and/or ATM owners	FREE*
Bad Address/Returned Mail Fee	$2.00 per occurance
Card Transaction Dispute Fee (non‐fraud) Non‐fraud transactions should be addressed with merchant(s)	Up to $35.00 per occurrence
Card Replacement Fee Excessive requests for card replacement	$10.00
Copy of Paid Member Check	$5.00 per check
Courtesy Pay Fee Movement of unavailable funds by the credit union to cover payments	Up to $25.00 per occurrence
Dormant Account Fee Accounts with no activity for 12 months. Once the account reaches a zero balance it will be closed.	$10.00 per quarter
Early Account Closure Fee Fee is assessed for accounts that are closed within 6 months of opening	$25.00 per account
Excess Regulation D Transaction Fee 6 free Reg D transactions per month ‐ see Truth In Savings disclosure for more information.	$10.00 per transaction
Incoming Wire Fee	$12.00
Insufficient Funds/Returned Item	$35.00 per item
Late Payment Fee Fee is assessed on each loan if payment is received more than 10 days after the due date	$10.00 ‐ $35.00 per loan per month
Levy Processing Fee Fee applies to levies, garnishments, etc. when funds are remitted	$25.00 per levy
Loan Application Fees	$10.00 ‐ Share loan $25.00 ‐ Signature or Vehicle loan $150.00 ‐ Home Equity Loan
Loan Modification/Refinance	$15.00 per loan
Negative Account Balance Fee	$35.00 per occurence
Notary Public Services	FREE
Online Bill Pay *Expedited payment delivery may be subject to surcharge	FREE*
Online/Mobile Banking	FREE
Overdraft Transfer Fee Movement of available funds by the credit union to cover payments	$5.00 per transfer
Overnight Delivery Fee Standard delivery is 1 st Class US Postal Service	USPS Rate
Member Share Draft Stop Payment Fee	$25.00 per item
Shared Branching *Some transactions may incure a fee by the individual branch location	FREE*
Skip‐A‐Payment Fee Allowed once per calendar year per loan, cannot skip consecutive months (i.e. Dec & Jan)	$15.00 per loan
Stale Dated Check Fee Teller checks not cashed within 90 days of issuance	$5.00 per check
Statement Copy Fee	$5.00 per statement
Teller Check Stop Payment Fee	$35.00 per check
Visa Gift Card Activation Fee	$2.50 per card

Other product fees may exist and will be disclosed at time of use.

This disclosure describes your ability to withdraw funds at JCFCU.

Funds Availability Disclosure

Keeping your personal information safe is our priority.
Find out how we collect, use, share, and protect information about you by viewing our policy.

Truth in Savings/EFT

Contact Us

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, Tuesday, Thursday, Friday : 9:00 a.m. – 3:00 p.m.
Wednesday : 9:00 a.m. – 4:30 p.m.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

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.

Disclosures

Disclosures

DESCRIPTION

FEE

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Jersey Central FCU