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
- Savings Disclosure
- Checking Disclosure
- Certificate Disclosure
- Money Market Disclosure
- Mastercard Debit & ATM Card Disclosure
Services
- e-Branch Disclosure
- e-Pay Disclosure
- e-Statements Disclosure
- Mobile Banking Disclosure
- Mobile Banking Deposit Disclosure
Website & Membership
Personal Fee Schedule
Effective October 12, 2023
Miscellaneous Charges and Fees
Effective December 2, 2024| Item | Fee |
|---|---|
| Safety Net Overdraft | $0 if the negative balance is $5 or less. $10 if the negative balance is $5.01 to $20. $35 per item** if negative balance is $20.01 or greater. |
| Uncollected Funds | $35.00 per item |
| Non-Sufficient Funds (NSF) | $35 per item/per presentment** |
| Stop Payment (Member Request) | $30.00 per item $100.00 maximum for lost of 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 |
| 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 |
| 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 |
| 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 $100 that are inactive for 12 months or more will be charged on the last day of each month. | $5.00 per month |
Money Market Account Fees
Effective October 12, 2023| Item | Fee |
|---|---|
| Excessive Transaction (Fee applies when account exceeds six pre-authorized transactions per month) | $10.00 per transaction |
| Monthly Fee if Below Minimum $500 Required Balance | $5.00 per month |
Mastercard Debit/ATM Card Fees
Effective October 12, 2023| Item | Fee |
|---|---|
| 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 |
Non-Member Fees
Effective October 12, 2023| Item | Fee |
|---|---|
| Notary Services | $2.50 per notary |
| ATM Withdrawal Fee at JSFCU ATM | $2.50 per withdrawal |
| Coin Counting Machine | 9.00% of total coin counted |
| Loan Application Fee (Fee becomes minimum deposit upon decision to be a member.) | $25 Non-refundable |
*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 $100. 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 transactions during the calendar month using their JSFCU Debit Card attached to that share account.
**Bring your balance positive to avoid fee(s) if the item is re-presented.
All fees are set by the Board Of Directors and subject to change
