Fee Schedule

LES People’s Accounts and Services Fee Schedule 
Share Account (Savings)
New Membership Fee$5
Annual Membership Fee (charged on July 31)$5
Minimum Balance$25
Minimum Balance to Avoid Maintenance Fee$75
Monthly Maintenance Fee (Applies only if minimum balance in combined accounts is less than $75.00, Does NOT apply if you: are younger than 18 or older than 65)$3
Close Account (if account open for less than 6 months)$15
Youth Savings Account Minimum Deposit$1
Share Draft Account (Checking)
Share Draft Account Minimum Initial Deposit$25
Share Draft Business and Non-Profit Minimum Initial Deposit$50
Monthly Maintenance Fee (Individual and Business)$0 FREE
Minimum Balance (Individual and Business)$0 FREE
Check Transactions (Individual and Business)UNLIMITED
ATM/ Debit Cards
New ATM Card (with savings only)$5
New Debit Card (with Checking)FREE
First 8 ATM/PIN transactions per monthFREE
In Network COOP ATMsFREE
Out of Network ATM/PIN transactions$1
Outside of US (Incl. Puerto Rico)2% of transaction
ATM Overdrawn Fee$30
ATM/ Debit Card Replacement Fee$10
ATM POS withdrawals (PIN)$500/day
ATM card cash withdrawal$1000/day
Debit Card cash withdrawals $1000/day
Debit POS transaction (PIN)$500/day
Debit POS transaction (signature based)$2000/day
Money Market
Minimum Balance$25
Minimum Balance to avoid Maintenance Fee$1000
Minimum Amount per withdrawal$200/per withdrawal
First 6 withdrawals per monthFREE
Additional Withdrawals per month$15
Monthly Maintenance Fee$10
Certificate of Deposits
Minimum Deposit$500
Early Termination Fee$25
Holiday Account
Minimum Deposit$15
Early Termination Fee$0 FREE
Other Services Fees
Returned Item$30 each
Transfers Fee from Savings to Checking for insufficient funds in Checking (optional)$10
Money Order$1.50 each
Money Market Maximum Amount$1000
Credit Union Check (to a third party)$10 each
Credit Union Check withdrawal paid to selfFREE
Stop Payment Personal Check$30 each
Stop Payment Corporate Check/CU Stale Check $50 each
Stop Payment Money Gram Money Order and copiesFill out MoneyGram claim form and send to MoneyGram
Account Activity Printout$5 each
Photocopy of Paid Check for checks within the past 23 months$3 each
Photocopy of Paid Check after 23 months$6 each
Photocopy of Deposited Item within the past 23 months$5 each
Photocopy of Deposited Item after 23 months ago$10 each
Dormant Account applies only after account has been inactive for longer than 2 years$25/month
Reconciliation or Research of Account (No charge if Credit Union error)$15/hour
Returned Mail or Address Search$5 each
Statement Copy (first 3 statements)$5/ per statement
Statement Copy (additional statements)$3/per statement
Wire Transfer - Financial Institution to Financial Institution - Domestic Incoming$10/wire
Wire Transfer - Financial Institution to Financial Institution - Domestic Outgoing$25/wire Starting 03/01/2014
Wire Transfer - Financial Institution to Financial Institution - International Incoming (US$)$20/wire
Wire Transfer - Financial Institution to Financial Institution - International Outgoing (US$)$45/wire Starting 03/01/2014
Bill Pay (Online)FREE
Direct DepositFREE
ITIN Application Assistance Fee$25
Loan Fees
Personal$10
Debt Consolidation $10
Credit Builder Loan$0 FREE
Credit Card$0 FREE
Overdraft Protection OPLOC$0 FREE
Personal Lines of Credit PLOC$0 FREE
Auto Loan$0 FREE
Emergency Cash Loan10% of the loan/maximum of $25
Micro-enterprise$25
Business$50
Real Estate Loans: Co-op / Condo / MortgagePlease contact our Loan Department regarding fees for these loans
Loan Late Fees
Personal, Auto, OP-LOC, PLOC, micro loan and Business Loans (if payment not received within 5 days of due date)$30
Credit Card (if payment not received within 5 days of due date)$30
Real Estate Loans (if payment not received within 15 days of due date)2% of payment amount
*Other fees may apply to some of our loan products. Please contact our Loan Department regarding these other loan fees.
Automatic Share to Loan Transfer (for loan payments) if non-sufficient funds (NSF) in designated share account.$5 each
Share Value
Par value of one share……………$25

 

For more information, please contact member service representatives at (212)529-8197 or lespfcu@lespeoples.org.

Comments are closed.