Service Costs
| MEMBERSHIP FEES | |
| One-Time Non-Refundable Membership Fee | $5 |
| Minimum balance to open new Membership | $20 |
| Re-Application within six months of Closing Membership Account | $15 |
| CHECKING ACCOUNT FEES | |
| Automatic Overdraft Transfer (up to 5 per month) | $3 each |
| Founder’s Checking (account opened prior to 2/1/07) | FREE |
| Convenience Checking with Direct Deposit/loan or line of credit |
FREE |
| with Direct Deposit/loan or line of credit | $5 month |
| Interest Checking – balance required to avoid monthly charge AND earn dividends is $2,500 | $7.50 month |
| Check Orders | Varies with style |
| Copy of Paid check (2 free per month) | $3 |
| Insufficient Funds (NSF) Checks including ACH, Bill Pay, ATM or Debit Card, Returned or Paid item | $22 each |
| Stop Payment Request | $15 |
| SAVINGS ACCOUNT FEES | |
| IRA Withdrawals (1 free per quarter) | $5 |
| IRA Trustee to Trustee transfer | $25 |
| IRA Closure if account has been opened less than 6 months | $75 |
| Rate Chaser Money Market | No Fee |
| Regular Share Savings (minimum balance fee) balance needed to avoid monthly fee is $100. $100 balance required within 3 months of opening the membership. Minimum balance waived with at least $2,500 aggregate savings/loans. Waived on membeships for children under 18 years of age. | $5 Month |
| Savings Withdrawals (3 free per month) waived with minimum $2,500 aggregate in savings/loans | $1 each |
| ATM FEES | |
| ATM Withdrawal (3 free per month at non-Co-op ATMs) | $1 each |
| Replacement ATM Card/PIN | $5 |
| Point of Sale (POS) | unlimited free |
| ATM Deposit Adjustment | $4 |
| VIRTUAL BRANCH AND BILL PAYER FEES | |
| Virtual Branch Home Banking | No Fee |
| without Checking or loan | $3 month |
| Bill Payer waived with minimum $2,500 aggregate shares/loans | $6 month |
| Bill Payer Account Research pass through cost from Bill Pay vendor |
$25 – $35 hour |
| Re-set Access Code | No Fee |
| LOAN FEES | |
| Auto Equity | Actual Cost |
| Real Estate document preparation fee | $200 |
| Subordination Agreement | $75 |
| GENERAL FEES | |
| Account History waived with minimum $2,500 aggregate in savings/loans | $2 page |
| Account Research/Reconciliation | $20 hour |
| Address Correction/Mail Return | $5 |
| Check Cashing waived with minimum $2,500 aggregate shares/loans | $5 |
| Compliance with Legal Order (levy, garnishment, etc.) | $25 |
| Copy of Corporate Check | $3 |
| Copy of Statements | $2 |
| Corporate Check Payable to Third Party waived with minimum $2,500 aggregate in shares/loans | $4 |
| Dormant Account/Escheat Locator | $5 |
| Notary Service (non-CU documents) | $10 per signature |
| Returned Deposit Item | $15 |
| Telephone Audio Response (4 free per month) | $2 |
| Verification of Deposit | $10 |
| Visa Gift Card | $6 |
| Visa Travel Money Card | $9 |
| Wire Transer outgoing domestic | $15 |
| Wire Transfer outgoing international | $25 |
| Wire Transfer incoming | No Charge |
All fees will be assessed at the time of service or deducted from your account. Any fees or charges incurred by the Credit Union for extra service or handling of your account will be passed on to you.
The Credit Union reserves the right to revise this agreement, our rules or policies, at any time. If we do so, we will notify you.
Dow Great Western Credit Union
P.O. Box 2059
Antioch, CA 94531
Branch locations
4041 Lone Tree Way, Suite 100, Antioch, CA
North End of Loveridge Road (at Dow Chemical Co.) Pittsburg, CA
Phone: (925)331-1010
Main Fax: (925)331-1066
www.dowcu.org
