Ishpeming Community Federal Credit Union

ATM CARD
This will allow you access to your funds at our credit union 24 hours a day, 365 days a year and world wide. This card is secure with a PIN number only known to you. Your service starts when you place your card in an Automated Teller Machine, ATM. If this convenience is what you are looking for, ATM Debit Card.

VISA DEBIT CARD
This card looks like a credit card but works like your check because the purchase amount is automatically deducted from your checking account. The VISA Debit Card is the premier card because it is accepted wherever you see the VISA logo. Simply present your card and sign your name, it's that easy. Your option to also use it at ATM’s worldwide is still there for cash withdrawals from your accounts. Does this sound like the card you have been looking for? VISA Debit Card and Check.

Our VISA Debit Card program has always allowed you access to your funds, with the convenience of a VISA Card. Currently ATMs World Wide bearing a logo from VISA, CIRRUS and Star, can be accessed.

MORE IMPORTANTLY, many major department and grocery stores will have the STAR LOGO at their cash registers. This means you now will have the option to press DEBIT – enter your PIN – and request cash back, at no extra charge. Wal-Mart locally allows this feature.

You may still swipe your card, at check outs, as before, by pressing CREDIT. (your PIN will not be required) This new feature will benefit many locally, as well as traveling, to avoid ATM fees, when wanting cash.

Commercial Loans

We offer a variety of loans to meet the needs of local businesses, schools, churches and organizations.

Your credit union can now provide financing for commercial real estate, equipment, vehicles and other business needs. Please contact George, Cheryl, or Toni for details.

Liberty Check Reordering

For your convenience we now offer online reordering of your checks drawn on your Share Draft and Money Market Accounts with us, through the Liberty Check Company. You must have your Liberty Check reorder slip when accessing this product, it is not based off of your account number.
Your form is on the second to last pack in your current box of checks. When you are ready to shop for new checks, our Online Ordering button can be found in our Home Teller Area.

FEE SCHEDULE - November 1, 2008

Ishpeming Community Federal Credit Union

ATM

Deposit Not available
Withdrawal No charge
Transfer No charge
Replace lost card $2.00
Change PIN No charge

WIRE TRANSFERS

Outgoing $20
Incoming No charge
Outgoing(foreign) $30
Incoming (foreign) No charge

SAFE DEPOSIT BOXES (annual cost)

5 inch by 3 inch $15
5 inch by 5 inch $20
10 inch by 3 inch $25
10 inches by 5 inch $30
10 inch by 10 inch $35

CHECKING

No Monthly Service Charge
Overdraft returned (Draft or ACH) $25
Overdraft paid $25
Stop payment (Draft or ACH) $15
Check/draft copy $1
Overdraft transfer (Draft or ACH) $1
Check/draft printing varies depending on the style of check ordered

ALL ACCOUNTS

Dormant account $5/month
An account is dormant if for three years there have been no deposits or withdrawals from any "suffix"; no active loans, IRA's or certificates.
Telephone transfer No charge
Deposited check returned unpaid $3 per item
($3 maximum charge per day)
Account research $10/hour
Account balancing assistance No charge
Statement copies $1/page
Money orders $1
Certified checks $2
Photocopies 5 free/day then .10/each
Fax $1 page incoming and outgoing
Garnishment, executions, levies $10

VISA Credit Card

Annual Fee No Charge
Over the limit No Charge
Late Payment $25.00
Cash Advance No Charge
Replace lost Card $2.00

VISA Gift Card $2.00
VISA CU Money/Travel Cards $5.00 (loadable up to $5000)