Fees & Disclosures

This Schedule sets forth certain conditions, rates, fees and charges applicable to regular share, share draft, business and money market accounts at Adventure Credit Union as of 03/01/2019. This Schedule is incorporated as part of a Membership Agreement with Adventure Credit Union.

Fees
ATM Transactions at Adventure Credit Union	FREE
ATM Withdrawals at Non-Adventure Credit Union ATMs 10 Free with Edge Checking Account   8 Free with Business Plus Checking Account $1.50 per transaction after free withdrawals	4 FREE per Month
Surcharge Free ATM withdrawals at CO-OP Network ATMs & many 5/3 Bank ATMs
Cashier's Checks (One free per day if over $1,000)	$3
Check Copy (Also applies to deposited items, Cashier's Checks & Money Orders)	$5
Debit/Credit Card Re-issue	$10
Dormant Account Fee (monthly fee applies after one year of inactivity, balance less than $100 and no other account relationship)	$10
Easy Pay Setup	$5
Escheats Processing	$50
Foreign Check Processing (additional charges may apply)	$20
IRA, HSA, ESA Transfer to other Financial Institution	$35
Money Orders	$2
Non-Sufficient Funds/Courtesy Pay Fee (ACH, Check, ATM, Debit)	$35
Overdraft Transfer from Share or Loan	$5
Research & Reconciliation Fee (1/2 hour minimum)	$25
Returned Deposited Check	$15
Returned Easy Pay, Pay My Loan or Mortgage	$10
Returned Mail Fee (per item)	$5
Security Fee - ID Safe Choice (Monthly Fee)	$1.75
Statement Copy	$5
Stop Payment	$35
Wire Transfers (Domestic & Business)	$25
Wire Transfers (Foreign)	$45

Compliance with the Patriot Act and Identification Requirements

To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires financial institutions to obtain, verify and record information that identifies each individual who is an owner on an account.

How this may affect you

When you open an account, Adventure Credit Union will request information including your name, address, social security number, date of birth and other items that may be used for identification purposes. We may also ask to see a government-issued picture I.D. and other form(s)of identification.

Member Identification: The USA Patriot Act, section 326, requires that new account applicants provide current picture identification that verifies identity including name, address and other identifying information.

In some cases, identification will be requested for current members if sufficient original documentation was not obtained with the opening of the account. In all cases, protection of our members' identity and confidentiality is our pledge to you.

In accordance with federal law we support all efforts to protect and maintain the security of our members and our country.

Adventure Credit Union is committed to providing a safe place to save and borrow money at very competitive rates. Adventure is equally committed to protecting our members' privacy. Adventure gives all members this Privacy Notice to explain how Adventure collects, uses and safeguards its members' personal financial information. View a copy of the Adventure Credit Union Privacy Policy.

The Electronic Fund Transfer Act, Regulation E, was passed by the United States Congress in 1978 to establish the rights and liabilities of consumers as well as the responsibilities of all participants in electronic funds transfer activities. The term "electronic fund transfer" (EFT) generally refers to a transaction initiated through an electronic terminal, telephone, computer, or magnetic tape that instructs a financial institution either to credit or to debit a consumer's asset account. View Adventure Credit Union's Electronic Fund Transfer Reg E.

This Web site provides links to several third-party sites for your convenience, including some belonging to service providers on behalf of Adventure Credit Union. Other links direct you to educational or government sites in an effort to provide comprehensive financial literary and assistance. Please be aware that these Web sites are solely the responsibility of the merchant or other party providing the site and the content, including materials and information, is solely the responsibility of the provider of the site. Adventure Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. Additionally, Adventure Credit Union's Privacy Policy does not apply to third-party sites.