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Fees & Disclosures

Details you need to know.


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Michigan Craft Banking
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We Maintain Transparency about Fees and Disclosures.

Committed to Informing You.

These policies, disclosures and fee schedules are part of our regulation and represent important information for our members.
EFFECTIVE: 06.06.16

Fees

Instant Issue Debit Card / Prior to expiration $10.00
* Money Orders $2.00 each
* Cashier’s Checks /1 free per day if over $1,000 or payable to member $3.00 ea. additional
* Items Sent For Collection $5 plus clearing costs
* Statement Reprint $5.00 per month
* Special Handling up to $15.00
* Account History Printout $1.00 per page
Re-Open Closed Account / within 1 yr $15.00
Primary Account Closing / open<1yr $5.00
Research Fee / 1/2 hour minimum $20 per hour
Wire Transfers /outgoing domestic $15.00
* Wire Transfers / foreign $35.00
* Wire Transfers / business $25.00
IRA, HSA, ESA Transfer to another FI Fee $25.00
* Escheats Processing up to $30.00
* Garnishment, Tax Levy, Court Order Outgoing $50 per occurrence
* NSF / Returned ACH or Check $30.00
* Returned Deposited Check $10.00
Fax Mortgage Payoff $15.00
* Bad Address $5.00 per item
* Certified Check $3.00
Check by Phone $10.00 per check
Easy Pay recurring payments $5.00 setup
* Non-Member Check Cashing $5.00 per check
* Foreign Check Processing $15.00 per item

Dormant Account Fee $5.00 per month Fee applies after 1 year of inactivity if account balance is less than $100.00 and there is no other account relationship. Check Cashing $5.00 per check
Applies to members 18+ with share balances less than $100 and no other account relationship (e.g. active checking with minimum of 3 transactions/month, loan or Visa)

ATM Fees

Transactions at Adventure CU ATMs FREE Unlimited
ATM Withdrawals at Non-Adventure ATMs 4 free per month
With Edge Checking 10 free per month

After free transactions

Surcharge Free ATM Withdrawals at CO-OP Network ATMs and 5/3rd Bank ATMS
$1.50 per withdrawal
* NSF - ATM/Debit $30.00
* ATM/Debit Lost Card Replacement $10.00

CHECKING ACCOUNT FEES

Check Copy Also

applies to deposited items, Cashier’s checks, and Money Orders

$5.00 each
Starter Checks $1.00 per page
* Stop Payment $30.00 single/series
Reconcilement / 1/2 hour minimum $20 per hour
* NSF– ACH or Check $30.00 if returned or honored
* Overdraft Transfer from share $5.00
Overdraft Transfer from loan $10.00
Security Fee- IDSafechoice $1.75 monthly

*These fees also apply to Business Accounts

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.