Fee Schedule

The following is a schedule of fees and charges established by the Credit Union incidental to specific accounts. This schedule is subject to change, to conform with rules and regulations, as set forth by government bodies, regulatory agencies and Menlo Survey Federal Credit Union.

Share Draft - Checking Accounts

• No minimum balance
• No monthly service charge
• Unlimited draft/check writing

$10.00 each Returned deposit items $15.00 each Returned and dishonored share drafts $5.00 each Stop payments--computer generated fee $2.00/page Photo copies of monthly statements $2.00 each Photo copies of share drafts (two free per month) FREE Overdraft transfer from shares: Initiated automatically by Credit Union in increments of $50.00. Limited to three per month by regulation. FREE Overdraft transfer from loan: Initiated automatically by Credit Union in increments of $100 $2.00/page Computer generated print-out of draft account history. $10.00 per hour Account reconciliation after first reconciliation done for member by Credit Union. By appointment only. Actual Cost Draft/check printing cost. First order of drafts/checks free with direct deposit of net pay. ATM/Debit Card $10.00 each Replace lost card $2.00 each To replace PIN (Personal Identification Number) No charge Deposits made at participating Bank of the West ATM's and CO-OP ATM's VISA Card No Charge Annual fee $10.00 each Replace lost card FREE Foreign Transaction Conversion to US Dollars Other Fees and Charges $2.50 each American Express Gift Checks - discontinued 12-31-11 1% fee Traveler's cheques -- 1% of amount purchased. Free to Senior Citizens - Discontinued 12-31-11 $15.00 each Wire Transfer - Domestic   $25.00 each        Wire Transfer -  International

All fees and charges subject to change without advance notice.