Baptist Hospital Credit Union Fees and Charges Page

Effective February 1, 2004

Membership

Membership: one time at joining	$2.00
Closing Membership: Within first 90 days	$25.00
Second time within 12 months: Must wait 90 days before reopening	$25.00

Share/Savings

Minimum balance required	$50.00
Minimum balance required to earn daily dividends	$100.00
ATM Card Savings Only	$5.00
Balance below $50.00 minimum	$10.00

Withdrawals

In Office (after two free per month for balances under $500.00)

$5.00 each

From ATM . . . No fee for transactions* made at the Baptist Hospital Credit Union ATMs (located in the cafeteria of the central building at the 20th Ave. Food Court) and on the campus at St. Thomas Hospital.

At other ATM locations . . . No Fee for first two transactions* each month. Thereafter $1.00 each.

*Transactions include withdrawals, inquiries and transfers. Excludes deposits.

Share Draft/Checking

Direct Deposit/Payroll Deduction or Minimum Balance $500 - No Monthly Service Fee!
Monthly Service Fee	$7.00
NSFCk/ACH/ATM/Check Card	$25.00
Printout of current month activity	$2.00
Stop Payment	$20.00
Photocopy of Check Disbursed	$2.00
Microfilm Copy of Statement	$3.00
Charge for Printed Checks	At Cost
Monthly Reconciliation	$25.00
Account Closed NSF	$25.00
Manually Paid Check/ACH Items	$5.00
Automated Overdraft Line of Credit Advance or Savings Transfer First two per month Next 4 After 6 automatic transfers	No Charge! $1.00 each $5.00/check
Electronic Bill Pay (If you sign up for this service and do not use it to pay bills, you will be charged $5.95/month.)	No Fee!

No fee for transactions at the Baptist Hospital Credit Union's ATM's located in the cafeteria of the central building at the 20th Ave. Food Court and at St. Thomas Hospital Credit Union owed ATM's located on the campus at St. Thomas Hospital.

At other ATM or merchant locations (Moneybelt^sm/PLUS^®/Pulse^® Network machines), no fee for first four transactions* each month. Thereafter, $1.00 each.

*Transactions include withdrawals, inquiries, transfers, point-of-sale processed as debit (pin-based transaction). Excludes deposits and point-of-sale processed as credit (signature-based transaction).

ATM Check Card	No fee!
Card Replacement	$5.00
Reorder PIN	$3.00
Check Card purchases processed as credit	No Fee!

INDIVIDUAL RETIREMENT ACCOUNT - No Administration Fee!

Early Withdrawal (prior to age 59½)	$25.00
Close Account	$50.00

Loans

Loan Fee	$20.00
Collateral Recording Fees	Our Cost
Late Charge, effective 15 days after due date . . . . Minimum $10.00 or 5% of payment
Returned Check	$25.00

Miscellaneous

Membership mail returned to Credit Union due to incorrect address (Make sure BHCU has your correct address!)	$5.00
Travelers Cheques (No charge with a checking account or savings balance of $500.00!)	$1.00 per $100.00
Travelers Cheques for two	$1.00 per $100.00
Wire Transfer Incoming Outgoing	$10.00 $20.00
Foreign Wire Transfers	$50.00
Photocopy of Check Disbursed	$2.00
Cashier Check/Credit Union Check Issued to Third Party	$5.00
Research (one hour minimum)	$30.00/hour
Notary Public/Medallion Signature Guarantee	No Fee!
Levy/Garnishments	$15.00
Dormant Account: (Balances under $100.00 / 12 months no activity / no current address)	$10.00/month
Returned Deposit Item	$10.00 each
FAX Third Party	$2.00
Money Orders	$2.00

Credit Card

Annual Fee	No Fee!
Over the Credit Limit	$20.00
Late Payment	$20.00
Return Check Fee	$25.00
Document Copy	At Cost

Safe Deposit Box

Annual Rent 3" x 5" x 2" deep box	$25.00
Annual Rent 3" x 10" x 2" deep box	$45.00

*All fees and charges effective 3/1/03.
Questions? The credit union staff will be pleased to assist you!

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.