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Business Fees & Disclosures

As a non-profit organization, any proceeds from our operations are returned to our members in the form of lower fees, better rates and complimentary services.

Below are our disclosures and fees for business accounts. For personal accounts, please see our  Personal Fees & Disclosures.




Website & Membership

Business Share Draft Account Fees

Effective October 12, 2023
Insufficient Fund Item Charge/Uncollected Funds$35.00 per item
Certified Check$10.00 per check
Copy of Canceled Share Draft$2.00 per check
Overdraft Protection from Share or Share Draft$7.00 per transfer
Starter Checks (After first 12 for new accounts)$2.00 per 4 checks
Official/Corporate Check made payable to another party (except from loan proceeds or payable to self)$8.00 per check
Stop Payment (Member Request)$30.00 per item ($100 maximum for lost or stolen checks)
Monthly Fee when balance falls below $500$5.00 per month

Business Money Market Account Fees

Effective October 12, 2023
Excessive Transaction (Applies when the account exceeds six pre-authorized transactions per month.)$10.00 per transaction
Monthly Fee if Below Minimum $500 Required Balance$5.00 per month

Business Mastercard Debit/ATM Card Fees

Effective October 12, 2023
Charges for Replacement Cards (If rush delivery is needed, add $45)$5.00 each
Deposits of Insufficient Fund Check$35.00 per item
Insufficient Fund Charge$35.00 per transaction
Overdraft Protection from Share or Share Draft$7.00 per transfer
Out-of-Network Fee (Non Jersey Shore FCU ATMs)50¢ per balance inquiry
Out-of-Network Fee (Non Jersey Shore FCU, CO-OP, and Allpoint ATMs)$1.50 per withdrawal

Business Miscellaneous Charges and Fees

Effective October 12, 2023
Wire Transfer (Domestic) – Outgoing$20.00 per wire
Wire Transfer (International and Domestic) – Incoming$15.00 per wire
Dormant Account – Accounts over $300 that are inactive for 12 months or more will be charged on the last day of each month.$5.00 per month
New Main Share Account closed within 3 months of opening$25.00
Mailed Paper Statement$1.50 per mailing
Copy of StatementFree for current year; $1.00 per page for previous years
Return Mail$7.00 per item
Vehicle Repossession Fee$100.00 plus repossession costs
Verification of Account$15.00 per account
Fax for non-credit union business$2.00 per fax
Liens, Levies, and Attachments$125.00 per lien, levy, & attachment
IRA Transfers Outgoing$25.00 per transfer
Address Locator Fee$25.00 (Additional fees may apply)
Early Closure of Holiday, Vacation or Surf Club$20.00 plus earned dividends
Wire Transfer (International) – Outgoing$40.00 per wire
Electronic Payment Insufficient Funds$35.00 per item
Money Orders$ 3.00 each
Account Reconciliation Request (If error not caused by credit union)$25 per hour
Return Check or Insufficient Fund Item Charge$35.00 per check
e-Pay (Bill Payer Service) without Checking and Debit/ATM Card$6.95 per month
Negative Balance Charge$25.00 per day

Business Non-Member Fees

Effective October 12, 2023
ATM Withdrawal Fee at JSFCU ATM$2.50 per withdrawal
Notary Services$2.50 per notary
Coin Counting Machine9.00% of total coin counted
All fees are set by the Board Of Directors and subject to change.
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