| MEMBERSHIP FEES | |
| One-Time Non-Refundable Membership Fee | $5 |
| Minimum balance to open new Membership | $10 |
| 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 | FREE |
| Convenience Checking with Direct Deposit/loan or line of credit |
FREE |
| without 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 |
| 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) 3rd party fees may apply | $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- checking only | No Fee |
| Without checking | $3 per mo |
| Bill Payer (checking only) | Free |
| Bill Payer Account Research pass through cost from Bill Pay vendor |
$25 – $35 hour |
| Re-set Access Code | No Fee |
| LOAN FEES | |
| Overdraft from EZLINE to checking | Free |
| 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 | $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) | $15 per signature |
| Returned Deposit Item | $15 |
| Telephone Audio Response (4 free per month) | $2 |
| Verification of Deposit | $10 |
| Visa Travel Money Card | $9.95 |
| Visa Travel Money Card Reload fee | $2 |
| Wire Transer outgoing domestic | $15 |
| Wire Transfer outgoing international | $30 |
| 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
Antioch Phone (925)331-1010
Pittsburg Phone (925)432-5742
www.dowcu.org
