Willis Credit Union - Fees and Service Charges

The following schedule represents items or services which are not considered routine and
usually create additional expenses for the credit union to render.

Effective 10/27/09

Fee/Service Description	Fee/Service Cost
Fax Transmission (non-business): Local - Not local -	$0.50 per page $1.00 per page
Wire Transfer	$17.00
Incoming Wires	$5.00
Rapid Cash	$7.00
ACH Payments Credit Union Originates	$2.00
Check Cashing (non-members)	$5.00
Visa Gift Cards	$4.00 per card
Cashier's Checks	$2.00 each
Check Copy: Mailed - Faxed -	$2.50 $4.00
Photo Copy of Check (In-house)	$1.00
Shipping: Next day - Two days - Saturday -	$12.00 $10.00 $20.00
Share Draft/ACH/EFT: Non-Sufficient Funds (NSF) - Stop Payment -	$35.00 $25.00 per check
Statement Printout (over one per month)	$2.00
Excess Share Withdrawal (more than 3 per quarter)	$5.00 per each excess
Excess Christmas & Vacation Clubs Withdrawal	$5.00
ATM Inquiry - Withdrawal -	$1.00 (pass through) $1.25 (pass through)
Overdraft Protection Processing Setup	$20.00
Loan Application Fee Direct Deposit/Payroll Deducted Non-Direct Deposit/Payroll Deducted	$50.00 $65.00
Re-issue MasterCard, Debit/ATM Card (lost, stolen, damaged)	$30.00
MasterCard/Debit Card Re-issue PIN number - Late Payment - Overlimit -	$15.00 $30.00 $25.00
Loan Payment Late Charge	5% of payment or $5.00 Min./$25.00 Max.
Legal Process (garnishment, levy, etc.)	$25.00
Returned Mail	$2.00
Dormant Account - Monthly Fee	$5.00 on balances of $1,000 or less having no activity for one full year, excludes CD's
Share Account - Opened and closed within 30 days of opening	$20.00
Research Time (per hour or any part thereof over 1/2 hour)	$25.00*
Account Reconciliation (per hour or any part thereof over 1/2 hour)	$25.00*
* NOTE #1: After Research and/or Account Reconciliation has been completed and the problem resulted from an error created by the credit union, these fees will be waived. EARLY REDEMPTION PENALTY ON CERTIFICATES OF DEPOSITS: Federal Regulation D, Section 2-135, requires financial institutions to have written policies if certificate funds are withdrawn prior to their stated maturity. The following Policies represent the Substantial Penalties required by Willis Credit Union on certificates redeemed prior to their stated maturity. If the certificate term is one year or less, the penalty is the forfeiture of thirty (30) days interest. If the certificate term is greater than one year, the penalty is the forfeiture of ninety (90) days interest. EXCEPT, if the certificate is withdrawn/redeemed within the first six (6) days, the forfeiture of seven (7) days interest is required per Federal Regulation D, Section 2-135. Each certificate upon maturity will automatically be renewed for the same period, at the rate of interest being paid by the credit union on the date of maturity/renewal, unless written instructions are received by the credit union to do otherwise prior to the maturity date.

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Willis Credit Union 26 Century Boulevard, Colonnade North, Suite 3, Nashville, TN 37214-3695 (615) 872-6380, Fax: (615) 872-6388
Your Savings federally insured to at least $250,000 and backed by the full faith & credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.