Personal Accounts
Rev. 12/01/2023
| Premium Perks Checking | |
|---|---|
| Minimum Balance $1,000.00 Service Charge (if balance falls below minimum) Statement Cycle |
$10.00 |
| Incredible Interest Money Market Account | |
| Minimum Balance $25,000.00 Service Charge (if balance falls below minimum) Statement Cycle |
$30.00 |
| Premium Money Market Account | |
| Minimum Balance $1,000.00 Service Charge (if balance falls below minimum) Statement Cycle |
$5.00 |
Business Accounts
| Business Basic Checking | |
|---|---|
| Service Charge per statement cycle | None |
| 100 transactions or less (checks, deposits, deposited items) | None |
| Transactions over 100 (checks, deposits, deposited items) Per item | $0.25 |
| Business Plus Checking | |
| Minimum Average Balance per statement cycle | $5,000.00 |
| Service Charge per statement cycle (if balance falls below minimum average) | $10.00 |
| 200 Transactions or less (checks, deposits, deposited items) | None |
| Transactions over 200 (checks, deposits, deposited items) Per item | $0.50 |
| Business Now Checking | |
| Minimum Balance per statement cycle | None |
| Service Charge per statement cycle | None |
| Per Check Paid Per item (Available to Sole Proprietors and Non-Profit Organizations Only) | $0.10 |
| Incredible Interest Money Market Account | |
| Minimum Balance | $25,000.00 |
| Service Charge (if balance falls below minimum) per statement cycle | $30.00 |
Miscellaneous Fees & Charges
Changes denotated in bold
| Abandoned Property | $75.00 |
| Account Closing (within six months of opening) | $25.00 |
| ACH-Direct File Transfer | |
|---|---|
| Initial Set-Up | Free |
| Monthly Charge | $30.00 |
| ACH Online Module | |
|---|---|
| Initial Set-Up | Free |
| Monthly Charge | $30.00 |
| ATM/Debit Card | |
|---|---|
| DDA/Savings Withdrawal (at LCU ATM) | Free |
| Point of Sale Transaction | Free |
| Mail Card to Alternate Address | $20.00 |
| Next Day FedEx | $75.00 |
| PIN by Phone | $25.00 |
| Next Day Cancel Order | $10.00 |
| Visa ISA- (International Service Assessment fee based on transaction amount) | 2% |
| ATM/Debit Card Replacement Fee | $15.00 |
| Backup Withholding Set-up Fee | $10.00 |
| Cash Advance Fee (Visa®,MasterCard®, Discover®) | |
|---|---|
| LCU Members | Free |
| Non-Members (based on transaction amount) | 2% |
| Check Collections (Additional – fees charged by other banks may apply) | |
|---|---|
| Domestic | $30.00 |
| Foreign | $30.00 |
| Coin Redemption Fee (based on transaction amount) | 5% |
| Copies of Deposits or Deposited Items (per page) | $1.00 |
| Inactive/Dormant Fee (after two years, per statement cycle) | $5.00 |
| Individual Retirement Accounts | |
|---|---|
| Annual Maintenance Fee | $15.00 |
| Premature Distribution/Withdrawal from Daily Account | $15.00 |
| Transfer Fee (external) | $25.00 |
| Levy Fee/Attachment /Garnishment | $100.00 |
| Non-Sufficient Funds/Overdraft1,2,3 (returned/paid/per presentment) | $30.00 |
| Uncollected Funds | $30.00 |
| Official Checks | $5.00 |
| Overdraft Transfer Fee | N/C |
| Overnight Delivery | $25.00 |
| Pay My Loan Service | |
|---|---|
| Pay My Loan registered User | N/C |
| Pay My Loan registered as Guest (per bill) | $4.99 |
| Pay My Loan phone payment service (per bill) | $9.99 |
| Photocopy (per page) | $1.00 |
| Real Estate Loans | |
|---|---|
| Duplicate Discharge Preparation Fee | $35.00 |
| Subordination Fee | $150.00 |
| Remote Deposit Capture | |
|---|---|
| Setup Fee | Free |
| Monthly Charge (up to 500 items per statement cycle) | $25.00 |
| Over 500 items per statement cycle Per item | $0.05 |
| Research/Account Reconciliation (hourly, minimum $30.00) | $30.00 |
| Returned Deposited Item | $7.16 |
| Returned Loan Payment | $10.00 |
| Returned Mail (per account) | $10.00 |
| Signature Guarantee | $20.00 |
| Statement Copy | $5.00 |
| Stop Payment | $30.00 |
| Tax Form Duplicate (1099) | $10.00 |
| Temporary Check (Business) | $ 0.50 |
| Wire Transfers (fees charged by other banks may apply) | |
|---|---|
| International (outgoing) | $50.00 |
| Domestic (outgoing) | $25.00 |
| Incoming | N/C |
| Wire Transfers Online Module | |
|---|---|
| Setup Fee | Free |
| Incoming Customer Non-Repetitive | $15.00 |
| Outgoing Customer Non-Repetitive | $25.00 |
Safe Deposit Box Fees
| Size | Annual Fee | Size | Annual Fee | ||||
|---|---|---|---|---|---|---|---|
| 3×5″ | $35.00 | 5×5″ | $45.00 | ||||
| 3×10″ | $55.00 | 5×10″ | $75.00 | ||||
| 7×10″ (Adams St Only) | $100.00 | 10×10″ | $130.00 |
| Drilling (plus cost of drilling) | $25.00 |
| Key replacement (per key) (plus cost) | $25.00 |
| Late Fee (over thirty days) | $20.00 |
| Boxes are subject to availability |
Safe deposit boxes are available at the following branches:
20 Adams Street, Leominster
159 Mechanic Street, Clinton
715 Main Street, Holden
Safe deposit box contents are not insured by NCUA or Leominster Credit Union.
LCU is not responsible for surcharges imposed by other financial institutions.
Convenient Digital Services to fit your lifestyle:
-
Online Banking
- Bill Pay
- External Transfers
- Pay My Loan
- Online Account Opening
- Online Loan Application
- Zelle®
-
Mobile Banking
- Pay Bills4
- Make Mobile Deposits
- Receive text alerts about your account status
- Check your account balances and transaction history
- Transfer funds
- Make loan payments or advances
- Locate the nearest ATM or branch
- Check balances instantly
Debit & Credit Card
Three ways to pay on the go. Your LCU Visa Debit and Credit Card has three ways to pay on the go! Easily make purchases at participating merchants with your smartphone or other mobile device using Apple Pay™, Google Pay™ and Samsung Pay®. Quick set-up guides available at leominstercu.com
1If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction, you agree that we can charge you an non-sufficient funds (NSF) fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment. You agree that we may charge you an NSF fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented.
2Overdraft fee waived for individual items that are $10.00 or less.
3Members 65 years of age or older or 18 years of age or younger are eligible for fee reductions as part of the 18/65 Law. Overdraft/NSF fees are reduced to $5.00 per transaction. Please contact us if you qualify.
4Members must be enrolled in Online Bill pay
