Effective as of: 10/1/2021
Fee Schedule
Share Drafts
Check Order
Varies By Choice
Varies by Choice
Insufficient Funds (Return Checks)
Courtesy Pay (NSF)
$30.00
$30.00
Stop Payments (Checks or EFT/ACH)
Copy of Draft (VolCorp)
$30.00
$1.00
Deposited or Cashed Checks Returned Unpaid
Automatic transfers from Share to Share Draft
$30.00
$1.00
Courtesy pay (Overdraft Protection) *
No Fee
* Members may opt-out of the Courtesy Pay program by notifying the credit union in writing at any time. By doing so, you the account holder realizes that no NSF items presented for payment will be posted by the credit union and you will still be charged the $30.00 NSF fee for every item presented.
General Charges
Return mail fee
$5.00
Domestic Wires
International Wires
3.39% and up
4.49% and up
International Transaction Fee
Statement Copy (Account History)
3.39% and up
4.49% and up
Certified Check (One Fee Check a Day, Additional Checks)
Dormant Account (After one year with No Activity a monthly fee of $5.00 will be charged.)
3.39% and up
4.49% and up
Share Accounts opened for less than 90 days
Christmas Club – Early Withdrawal
3.39% and up
4.49% and up
Share Account (Savings) *
3.39% and up
* An excessive savings withdrawal will be charged if you make over (6) pre-authorized, automatic, online banking or telephone transfers from your share account to another account or to a third party in any month. Our share account dividends are day of deposit day of withdrawal and paid quarterly.
Check Cashing Fees: With Activity
Check Cashing Fees: Without Activity Over $100.00
No Charge
$5.00
Check Cashing Fees: Without Activity Under $100.00
$3.00
Debit/ATM Card
Gift Card Activation Fee
$3.00
Insufficient Point of Sales (POS)
Insufficient Funds (ATM/Debit Card)
$30.00
$30.00
Replacement of an ATM/Debit Card
ATM Fees *
$7.50
No Charge
*Foreign ATM Fees Varies (Foreign ATM fees are charged by using machines other than JCMC Lobby, NP Drive Up, Sycamore Shoals, Franklin Woods, CBO, Allpoint Branded ATMs and area Walgreens)
Lending Fees
Auto
$100.00
Mortgage Loan
Personal Loan
Fee Varies
Late Fee
Helping Hand Loan Fee
5% of Payment
$20.00
GAP Insurance
Per Day ATM Maximum Withdrawal
$400.00
4.49% and up
Per Day Point of Sale Debit Cards
36 Months
$500.00
$1000.00