Schedule of Fees and Charges

Effective 01/20/2020

Note: Some fees may be waived or reduced based on Lighthouse Pricing relationship or other qualifying criteria. Call for details.

Checking Accounts
AnyAccess Checking $8.50 per month
EZAccess Checking $3 per month Waived with eStatements
AccessBuilder Checking $15 per month
Per-check Eight free per month; then 50¢ eachEZAccess, AccessBuilder only
Personalized checks Varies according to style
Electronic Transfer Account $3 per month
Account reconciliation $20 per hour
Overdraft transfer from another share account $5 per transfer
Overdrawn Accounts (funds not available for transfer)
Occurrences per calendar year  
1-3 $29 ($31 - effective 2/13/2020)
4-6 $31 ($33 - effective 2/13/2020)
7+ $33 ($35 - effective 2/13/2020)
Courtesy Pay
Occurrences per calendar year  
1-3 $29 ($31 - effective 2/13/2020)
4-6 $31 ($33 - effective 2/13/2020)
7+ $33 ($35 - effective 2/13/2020)
Copies of paid checks Two free per statement; then $3 each
Stop payment $25
Cancel stop payment $6
Bill Pay $0 per month
Additional Fees Apply for the following services:
Expedited Funds Check – Overnight $14.95
Expedited Funds Check – Two Days $9.95
Expedited Funds Electronic $4.95
Gift Check $2.99
Charitable Donation Check $1.99
ATM/POS/Visa Debit
Replacement card $5
Foreign currency conversion/ISA 1% of transaction amount
Withdrawals
CO-OP ATM Eight free per month; then $1 eachUnlimited with Relationship Plans
All others $2 each
Inquiries
CO-OP ATM Eight free per month; then $1 eachUnlimited with Relationship Plans
All others $1 each
Non-CO-OP ATM transactions may be subject to fees by ATM owner or merchant.
Membership
New membership $5
Close membership within 90 days of opening $5
Inactive account $10 per month
Consumer loans
Auto refinance $150
Auto equity $75
Skip-A-Pay $35 per payment skipped
General
Cashiers check $5 each
Check cashing if non-member $5 each
Check cashing if less than $100 on deposit $2 each
Collection Item $25
Compliance with legal order:
Minimum billing per order $50
Labor $20 per hour
Check copy $3 each
Backup federal withholding per IRS request:
Set-up $25
Transmittal of Dividend $5 per payment
EZ Connect set-up $10
Immigration and Naturalization documentation $15
Money order $3
Notary $10 per non-MyPoint Credit Union paper3 free per month with $1,000 balance and checking account
Notice of escheat $2
Returned items
Deposited, cashed or loan payment $15 each
Returned statement due to invalid address $5
Savings account maintenance $3 per monthAccounts with only regular savings and an average daily balance less than $300. Youth accounts exempt.
Signature Medallion Guarantee $10
Check by Phone $10
Statement copy $3 each
Telephone transfer checking/savings $1No charge for ARROW transactions
Temporary checks (packet of eight) $2
Transaction photo $25
Verification of deposit $10
Verification of loan and mortgage $10
Wire Transfers
Outgoing domestic $25
Incoming $10
Real Estate
Demand/Payoff Quote $30
Reconveyance Request Fee
Subordination $150
Processing Fee $300