General

1. Membership: $10 membership fee (new Members).
2. ATM savings account access only: $5 annually.
3. Closed account: $10 fee when regular, special, or club account is closed within 6 months of opening.
4. Account or Bill Pay research or reconciliation: $50 per hour, plus $1 per document copy.
5. Foreign Collection item: $20 per item.
6. Wire transfer of funds: $20 USA; $30 foreign.
7. Deposited checks that are returned unpaid: $25 per item.
8. Locator fee: $5 per quarter for returned mail.
9. Stop payment of Credit Union Cashier's Checks: $20 each.
10. Western Union Wire: Western Union cost + $5.
11. Travelers Checks: 1.5% of face value. No charge for members who have a combined account balance of $1,000.
12. Cashier's Checks payable to 2nd Party: $5 each. No charge for members with a combined balance of $1,000.
13. Cashier's Checks issued to non-members: $20 each.
14. Automated bill paying service: $5 per check. No charge for members with a combined balance of $1,000.
15. Charge for "Rushed" ATM Card, Visa® Debit Card, Visa® Credit Card or PIN: $30 each.
16. Charge for ATM, Visa® Debit or Visa® Credit Cards mailed to the Hayward Service Center: $30 each.
17. Tax Levies $25 for each tax levy.
18. Duplicate statements/printouts: $1 current month, $5 prior month.
19. Redeposit of Stale-Dated BCCU Cashier's Checks (over 6 months old): $5 each.
20. Online Bill Pay stop payment charge: $30 each.
21. Online Bill Pay check copy: $20 per check.
22. Notary Fee for Members or non-members: $10.
23. Membership reopening fee: $10.
24. Coin counting fee: 2% of coin run.
25. Credit Report research fee: $25.
26. Verification of Deposit fee: $10 per verification.
27. Cashier's Check Copy: $10 per check.
28. Check cashing fee: 1.5% of face value (includes non-members cashing a Bay Cities check). No charge for members who have a combined balance of $1,000, or make a minimum deposit of $100. No third-party checks accepted.
29. Inactivity fee: $5 per month after 12 months of no activity.
30. Check-By-Phone: $10 per check.
31. Escheat Letter Fee: $2.

Savings / Money Market

1. Below minimum balance: $5 monthly.
2. Regular Savings Account: $5 fee for withdrawals over 6 per quarter. $0 if combined balance is $500 or more.
3. Club accounts: There will be a $5 fee for every withdrawal over 1 per year.
4. ATM transaction fee on savings account: $1 fee for every withdrawal over 6 per quarter. No charge for members who have a balance of $1,000. No ATM transaction fees with a minimum $25 payroll deduction or direct deposit.

Checking, ATM and Visa® Debit Card -- Changes effective 9/1/2010

1. Express Checking Monthly Fee:
   $0 with e-Statements and Direct Deposit.
   With e-Statements OR Direct Deposit - $5.
   Without e-Statements & Direct Deposit - $10.
   
   Star Checking Monthly Fee:
   $5 with either e-Statements or Direct Deposit.
   Without e-Statements or Direct Deposit - $10.
   
   1st Checking Monthly Fee:
   $0 with e-Statements.
   Without e-Statements - $5.
   
   Dividend Checking Monthly Fee: $5.
   $0 with average daily balance of $1000.
   
   
2. Returned checks non-sufficient funds: $25 per check.
3. Overdrawn Fee: $25 per item.
4. Stop payment: $20 per check or consecutively numbered group of checks.
5. Copy of paid checks: $5 per check exceeding 2 per statement.
6. Copy of deposited or redeposited items: $5 per item exceeding 2 per statement.
7. Lost ATM or Visa® Debit Card Replacement: $5 per card.
8. ATM deposit adjustment: $25 per item.
9. Empty ATM envelopes: $25 per envelope.
10. Rejected Automated Clearing House (ACH) debit: $25 per item.
11. Automated Clearing House (ACH) stop payment: $20 per item.
12. Automatic Overdraft Fee: Express Checking - $1 for each share savings transfer. Transfer from Automatic Overdraft Line of Credit Loans - $0.
13. Check Orders:
    Express and Dividend Checking - 1 Check Order free annually.
    Star & Youth Checking - 1st Box free at time of account opening.
14. Cashier’s Checks paid to 2nd party:
    Express and Dividend Checking - $0.
    Star & Youth Checking - $5.
15. Traveler’s Checks:
    Express and Dividend Checking - $0.
    Star and Youth Checking 1.5% of face value - no charge for members who have a combined account balances of $1,000.

Revisions effective 8/15/10