Fee Schedule | Bayou Community FCU

[ACCORDION_GROUP_START]

Share Accounts

    
        Fee Name
        Fee Amount
      
        Minimum Amount to Open Account
        $25
      
        Membership Joining Fee
        $5
      
        Early Closure Fee
        $10 (if account is closed within six months)
      
        Re-open Account Fee
        $10
      
        Excessive Withdrawal Fee
        $2/transaction  (after six free per month)
      
        Club Account Withdrawal Fee
        $2/withdrawal (limit of two per year)
      
        Inactive Account Fee
        $5/month once balance falls below $25
      
        Dormant Fee
        $5/quarter if balance falls below $200
      
        Outgoing Wire Transfer Fee
        $20/item

Fee Name	Fee Amount
Minimum Amount to Open Account	$25
Membership Joining Fee	$5
Early Closure Fee	$10 (if account is closed within six months)
Re-open Account Fee	$10
Excessive Withdrawal Fee	$2/transaction (after six free per month)
Club Account Withdrawal Fee	$2/withdrawal (limit of two per year)
Inactive Account Fee	$5/month once balance falls below $25
Dormant Fee	$5/quarter if balance falls below $200
Outgoing Wire Transfer Fee	$20/item

Share Draft Accounts

    
        Account Name
        Fee Amount
        Exceptions
      

     
        Simply Free Checking
        $5 Monthly Service Charge
        Fee Waived if
        Direct deposit into Simply Free Checking
Enrolled in e-Statements
19 years old and under
55 years old and above
        
       
      

        Deluxe Checking
        $6 Monthly Service Charge
        Fee Waived if
        Direct deposit into Deluxe Checking
Enrolled in e-Statements
Minimum of 15 debit card transactions posted/month

      

        Premier Checking
        $8 Monthly Service Charge
        Fee Waived if
        Direct deposit into Premier Checking
Enrolled in e-Statements
Minimum of 20 debit card transactions posted/month


      

        Second Chance Checking
        $10 Monthly Service Charge
        
          

      

        Small Bayou Business Checking
        $15 Monthly Service Charge

        Excessive Transactions:$2,500 cash deposited each month ($.002/$1 thereafter)
25 rolls of coins deposited each month ($.10/roll thereafter)
3% of the amount of UNROLLED coins deposited
$1,500 cash out available per month ($.002/$1 thereafter)
5 rolls of coins available/month ($.10 roll thereafter)
  
Fee Waived if
        ADB remains above $300
First 150 items are free, $.25/item thereafer
$12/month non-activity fee if there is no activity in the account for the month


        Big Bayou Business Checking
        $20 Monthly Service Charge

        Excessive Transactions:
        $5,000 cash deposited each month ($.002/$1 thereafter)
50 rolls of coins deposited each month ($.10/roll thereafter)
3% of the amount of UNROLLED coins deposited
$3,000 cash out available per month ($.002/$1 thereafter)
10 rolls of coins available/month ($.10 roll thereafter)

        Fee Waived if
        ADB remains above $5,000
First 300 items are free, $.30/item thereafer
$18/month non-activity fee if there is no activity in the account for the month

      

Account Name	Fee Amount	Exceptions
Simply Free Checking	$5 Monthly Service Charge	Fee Waived if Direct deposit into Simply Free Checking Enrolled in e-Statements 19 years old and under 55 years old and above
Deluxe Checking	$6 Monthly Service Charge	Fee Waived if Direct deposit into Deluxe Checking Enrolled in e-Statements Minimum of 15 debit card transactions posted/month
Premier Checking	$8 Monthly Service Charge	Fee Waived if Direct deposit into Premier Checking Enrolled in e-Statements Minimum of 20 debit card transactions posted/month
Second Chance Checking	$10 Monthly Service Charge
Small Bayou Business Checking	$15 Monthly Service Charge Excessive Transactions: $2,500 cash deposited each month ($.002/$1 thereafter) 25 rolls of coins deposited each month ($.10/roll thereafter) 3% of the amount of UNROLLED coins deposited $1,500 cash out available per month ($.002/$1 thereafter) 5 rolls of coins available/month ($.10 roll thereafter)	Fee Waived if ADB remains above $300 First 150 items are free, $.25/item thereafer $12/month non-activity fee if there is no activity in the account for the month
Big Bayou Business Checking	$20 Monthly Service Charge Excessive Transactions: $5,000 cash deposited each month ($.002/$1 thereafter) 50 rolls of coins deposited each month ($.10/roll thereafter) 3% of the amount of UNROLLED coins deposited $3,000 cash out available per month ($.002/$1 thereafter) 10 rolls of coins available/month ($.10 roll thereafter)	Fee Waived if ADB remains above $5,000 First 300 items are free, $.30/item thereafer $18/month non-activity fee if there is no activity in the account for the month

NSF

    
        Fee Name
        Fee Amount
      
        ACH, Debit Card or Checks:

        Any item which tries to clear your account and funds are or available, we chage per item whether items are
PAID or 
RETURNED

        $28/item

Fee Name	Fee Amount
ACH, Debit Card or Checks: Any item which tries to clear your account and funds are or available, we chage per item whether items are PAID or RETURNED	$28/item

Share Draft

    
        Fee Name
        Fee Amount
      
        Stop Payment
        $28
      
        Copy of Draft
        $2/draft
      
        Member or Non-Member Official Check
        $5/check
      
        Courtsey Pay

        A service that allows us to PAY an item presented for payment for your checking account even if it causes the account to become overdrawn. This may include checks, ACH, in-person withdrawals, debit card and bill pay transactions.
        $28/item (effective 10/1/2021)
      
        Overdraft Transfer
        $5/transfer
      
        Deposited Item Returned
        $28/item

Fee Name	Fee Amount
Stop Payment	$28
Copy of Draft	$2/draft
Member or Non-Member Official Check	$5/check
Courtsey Pay A service that allows us to PAY an item presented for payment for your checking account even if it causes the account to become overdrawn. This may include checks, ACH, in-person withdrawals, debit card and bill pay transactions.	$28/item (effective 10/1/2021)
Overdraft Transfer	$5/transfer
Deposited Item Returned	$28/item

Debit Card

    
        Fee Name
        Fee Amount
        
        Replacement Debit Card
        $20/card (after first free with Bayou CFCU logo) $10 for custom background 

        Debit Card/ATM PIN Usage Free
        $2/transaction after sixth free withdrawal

Fee Name	Fee Amount
Replacement Debit Card	$20/card (after first free with Bayou CFCU logo) $10 for custom background
Debit Card/ATM PIN Usage Free	$2/transaction after sixth free withdrawal

Visa® Credit Card

    
        Fee Type
        Fee Amount
        
        Credit Card Application 
        $10
        
        Cash Advance
        $2-$5
        
        Balance Transfer
        $6
        
        Late Payment
        $25
        
        Replacement Card
        $10
        
        Over the Limit
        $20
        
        Returned Payment
        $6
        
        Statement Check
        $6
        
        Card Rush (3-4 days)
        $15
        
        Card Recovery
        $75
        
        Document Copy
        $15

Fee Type	Fee Amount
Credit Card Application	$10
Cash Advance	$2-$5
Balance Transfer	$6
Late Payment	$25
Replacement Card	$10
Over the Limit	$20
Returned Payment	$6
Statement Check	$6
Card Rush (3-4 days)	$15
Card Recovery	$75
Document Copy	$15

Visa® Gift Cards (non-reloadable)

    
        Fee Type
        Fee Amount
        
        Member
        $2.50/card
        
        Non-Member
        $5/card

Fee Type	Fee Amount
Member	$2.50/card
Non-Member	$5/card

Visa® Everyday Spend (reloadable)

    
        Fee Type
        Fee Amount
        
        New Card
        $5/card
        
        Monthly Fee
        $1.75/active card
        
        Inactive Fee
        $3/month (billing begins in fourth month)
        
        Denied Transaction
        $.52/denial
        
        ATM Withdrawal
        $1.50/withdrawal
        
        Lost/Stolen Replacement Card
        $5/card
        
        Reissued Replacement Card
        $3.50/card
        
        Negative Balance 
        $.50
        
        Cash Out
        $15/item
        
        VRU Calls
        1st four/month = free

        $.50/call thereafter
        
        Live Customer Service Call
        1st two free

        $5/call thereafter
        
        Card Reload
        $.50/reload

Fee Type	Fee Amount
New Card	$5/card
Monthly Fee	$1.75/active card
Inactive Fee	$3/month (billing begins in fourth month)
Denied Transaction	$.52/denial
ATM Withdrawal	$1.50/withdrawal
Lost/Stolen Replacement Card	$5/card
Reissued Replacement Card	$3.50/card
Negative Balance	$.50
Cash Out	$15/item
VRU Calls	1st four/month = free $.50/call thereafter
Live Customer Service Call	1st two free $5/call thereafter
Card Reload	$.50/reload

Other Services

    
        Fee Type
        Fee Amount
        
        Loan Application
        $5
        
        Late Payment (Loan)
        $15
        
        Loan Processing (non-auto)
        $20
        
        Automobile Loan Processing 
        $28
        
        Real Estate Application
        1% origination fee
        
        Real Estate Loan Closing
        $850
        
        Account Reconciliation
        $15/hour
        
        Fax Service
        $2/fax
        
        Money Orders
        $.99/item ($1,000 maximum limit)
        
        Address Update
        $5/returned item
        
        Statement Copy
        $5/statement
        
        Photocopy
        $1/copy
        
        Escheat
        20% of account balance
        
        Non-Member Cashier's Check
        $5/check

Fee Type	Fee Amount
Loan Application	$5
Late Payment (Loan)	$15
Loan Processing (non-auto)	$20
Automobile Loan Processing	$28
Real Estate Application	1% origination fee
Real Estate Loan Closing	$850
Account Reconciliation	$15/hour
Fax Service	$2/fax
Money Orders	$.99/item ($1,000 maximum limit)
Address Update	$5/returned item
Statement Copy	$5/statement
Photocopy	$1/copy
Escheat	20% of account balance
Non-Member Cashier's Check	$5/check

[ACCORDION_GROUP_END]

The fees appearing in this schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.