Fees & Disclosures

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 personal accounts. For business accounts, please see our Business Fees & Disclosures.

Disclosures

Accounts

Services

Website & Membership

Personal Fee Schedule

Share Draft Account Fees

Effective May 1, 2018
Item Fee
Safety Net Overdraft $35.00 per transaction
Insufficient Fund Item Charge/Uncollected Funds $35.00 per item
Stop Payment (Member Request) $30.00 per item ($100 maximum for lost or stolen checks)
Certified Check $10.00 per check
Copy of Canceled Share Draft $2.00 per check
Official/Corporate Check made payable to another party (except from loan proceeds or payable to self) $8.00 per check
Starter Checks (After first 12 for new accounts) $2.00 per 4 checks
Overdraft Protection from Share or Share Draft $7.00 per transfer
Fresh Start Checking (Taken on the last day of each month) $15.00 per month

All fees are set by the Board Of Directors and subject to change.


Money Market Account Fees

Effective May 1, 2018
Item Fee
Excessive Transaction* $10.00 per transaction
Monthly Fee if Below Minimum $500 Required Balance $5.00 per month

*Money Market Account Excessive Transaction fee applies when the account exceeds six pre-authorized transactions per month. All fees are set by the Board Of Directors and subject to change.


Mastercard Debit/ATM Card Fees

Effective May 1, 2018
Item Fees
Safety Net Overdraft $5.01-$20.00 is $10.00 per transaction, $20.01 and over is $35.00 per transaction
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

All fees are set by the Board Of Directors and subject to change.


Miscellaneous Charges and Fees

Effective May 1, 2018
Item Fees
e-Pay (Bill Payer Service) without Checking and Debit/ATM Card $6.95 per month
Return Check or Insufficient Fund Item Charge $35.00 per check
Account Reconciliation Request (If error not caused by credit union) $25 per hour
Money Orders $ 3.00 each
Electronic Payment Insufficient Funds $35.00 per item
Western Union Wire – Domestic (up to $10,000) $20.00
Western Union Wire – International (up to $20,000) $20.00 plus 2% of the wire amount
Wire Transfer (Domestic) – Outgoing $20.00 per wire
Wire Transfer (International) – Outgoing $40.00 per wire
Wire Transfer (International and Domestic) – Incoming $15.00 per wire
Early Closure of Holiday, Vacation or Surf Club $20.00 plus earned dividends
Home Equity Loan Processing Fee for Loans under $20,000 $250.00 per loan
Address Locator Fee $25.00 (Additional fees may apply)
IRA Transfers Outgoing $25.00 per transfer
Liens, Levies, and Attachments $125.00 per lien, levy, & attachment
Fax for non-credit union business $2.00 per fax
Verification of Account $15.00 per account
Vehicle Repossession Fee $100.00 plus repossession costs
Return Mail $7.00 per item
Discharge of Mortgage $50.00
Mastercard Gift Card $2.95 each
Copy of Statement Free for current year; $1.00 per page for previous years
Mailed Paper Statement (Prime Tide, Little Stars, and MyShore Teen Clubs exempt) $1.50 per mailing
Low Balance Fee* $5.00 per month
New Main Share Account closed within 3 months of opening $25.00
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
Escheat Fee – Applies to abandoned accounts when property will escheat to the state. $75.00

*Applies to main share account if the monthly aggregate average daily balance of all accounts (i.e., regular, club, IRA, checking, and money market) falls below $300. However, it will not be charged if the account owner is 25 years of age or younger, if there is an active loan on the account, if there is an open share certificate on the account, or if the member completes 10 signature-based purchases (credit) transactions during the calendar month using their JSFCU Debit Card attached to that share account. All fees are set by the Board Of Directors and subject to change.


Non-Member Fees

Effective May 1, 2018
Item Fees
Notary Services $2.50 per notary
Travelers Express Money Orders $4.00 each
ATM Withdrawal Fee at JSFCU ATM $2.50 per withdrawal
Mastercard Gift Card $2.95 each
Coin Counting Machine 6.00% of total coin counted
Loan Application Fee (Fee becomes minimum deposit upon decision to be a member.) $25 Non-refundable

All fees are set by the Board Of Directors and subject to change.