FEE AMOUNT ABOUT THE FEE. Annual Cardholder Fee $15 For Share Secured Cards in AK and WA only. Late Payment Fee Up to $37 You will be charged a Late Payment Fee if you do not pay at least an amount equal to the Minimum Payment Due by the Payment Due Date. The Late Payment Fee is $27 and, if you make another late payment within the next six (6) Billing Periods the late fee will be $37. The amount of the Late Payment Fee will never be higher than your Minimum Payment Due. Returned Payment Fee Up to $37 If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a Returned Payment Fee of up to $37 as follows: If your payment is returned unpaid for any reason the first time we present it to your financial institution, the fee is $27. If this happens again within the next six (6) billing periods, the fee is $37. The Returned Payment Fee will never be higher than the Minimum Payment Due on the last Payment Due Date before the payment is returned. Cash Advance Fee Either $10 or 3% of the amount of each Cash Advance, whichever is greater We charge you a fee for each Cash Advance. Balance Transfer Fee Either $10 or 3% of the amount of each Cash Advance, whichever is greater We charge you a fee for each Balance Transfer. Balance Transfers are subject to a $500 minimum transfer amount. Foreign Transaction Fee 1% of each transaction in U.S. Dollars (transactions made in foreign currency) or 0.8% of each transaction in U.S. Dollars (transactions made in foreign currency, billed in U.S. Dollars) See section entitled “Foreign Transactions” below for additional details. No Foreign Transaction Fees are applicable to Visa Signature Credit Card accounts. Replacement Card Fee $5.00 Except as prohibited by applicable law, you may be charged a Replacement Card Fee for all cards issued other than the standard re-issue card. Document Fee $2.00 If a copy of any periodic statement, sales draft or similar document is provided by us at your request (other than in connection with a billing error inquiry), a Document Fee may be imposed by us on your Account. Rush Card Fee $75.00 If a plastic card order is requested as a “rush,” we charge a fee to cover the cost of expedited processing and shipping. FOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions. In the eve...
FEE AMOUNT ABOUT THE FEE. Annual Cardholder Fee None Late Payment Fee Up to $37 You will be charged a Late Payment Fee if you do not pay at least an amount equal to the Minimum Payment Due by the Payment Due Date. The Late Payment Fee is $27 and, if you make another late payment within the next six (6) Billing Periods the late fee will be $37. The amount of the Late Payment Fee will never be higher than your Minimum Payment Due. Returned Payment Fee Up to $37 If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a Returned Payment Fee of up to $37 as follows: If your payment is returned unpaid for any reason the first time we present it to your financial institution, the fee is $27. If this happens again within the next six (6) billing periods, the fee is $37. The Returned Payment Fee will never be higher than the Minimum Payment Due on the last Payment Due Date before the payment is returned. Cash Advance Fee Either $10 or 3% of the amount of each ATM Cash Advance, whichever is greater We charge you a fee for each ATM Cash Advance. Balance Transfer Fee Either $10 or 3% of the amount of each Cash Advance, whichever is greater We charge you a fee for each Balance Transfer. Balance Transfers are subject to a $500 minimum transfer amount. Foreign Transaction Fee 1% of each transaction in U.S. Dollars (transactions made in foreign currency) or 0.8% of each transaction in U.S. Dollars (transactions made in foreign currency, billed in U.S. Dollars) See section entitled “Foreign Transactions” below for additional details. Replacement Card Fee $5.00 Except as prohibited by applicable law, you may be charged a Replacement Card Fee for all cards issued other than the standard re-issue card Document Fee $2.00 If a copy of any periodic statement, sales draft or similar document is provided by us at your request (other than in connection with a billing error inquiry), a Document Fee may be imposed by us on your Account. FOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions. In the event that an international transaction is converted to U.S. dollars the exchange rate between the transaction currency and the billing currency used for processing international transactions will be: (1) a rate selected by Visa from the range of rates available i...
FEE AMOUNT ABOUT THE FEE. Document Copy Fee If a copy of any periodic statement, sales draft or similar document is provided by us at your request (other than in connection with a billing error inquiry), a Document Copy Fee may be imposed by us on your Account. MyPower None MyPerks & MyPlan Up to $12 for each sales draft, with one copy free per year Rush Card Fee We will charge you a Rush Card Fee to rush each requested replacement card. MyPower None MyPerks & MyPlan $25 Returned Convenience Check Fee We will charge you a Returned Convenience Check Fee if a Convenience Check cannot be paid. MyPower None MyPerks & MyPlan $25 FOREIGN TRANSACTIONS (This section only applies to MyPerks and MyPlan Share-Secured MasterCard Credit Cards, and does not to MyPower MasterCard Credit Cards.): Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the MasterCard operating regulations for international transactions. In the event that an international transaction is converted to U.S. dollars the exchange rate between the transaction currency and the billing currency used for processing international transactions will be: (1) a rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MasterCard itself receives; or (2) the government-mandated rate in effect for the applicable central processing date. The Credit Union has no control over the conversion rate. The rate in effect on the applicable processing date may differ from the rate on the date you used your Card. When a credit to the account does not fully offset a charge to the account due to changes in the rate, you are responsible for the difference. For Purchases, Cash Advances, and ATM transactions, we will charge a Foreign Transaction Fee in an amount equal to one percent (1%) of the amount of the Purchase, Cash Advance or ATM transaction, regardless of whether the transaction requires a currency conversion. The above fees for the Billing Period will be shown on your periodic statement. PAYMENTS MINIMUM PAYMENT: Every month, you must pay at least the Minimum Payment Due by the Payment Due Date shown on your periodic statement. The Minimum Payment Due will be either (1) 2.0% of your Account Balance or $25.00, whichever is greater; or (2) your Account Balance if it is less than $25.00. In addition, you must pay a...
