Fee Schedule
This Fee Schedule sets forth the fees charged by KIT for using various accounts and services. Please review this information along with the Truth in Savings Disclosure to educate on the best accounts and services for your financial needs. The Credit Union reserves the right to change the terms and conditions of these accounts from time to time without notice to you unless provided by law.
Revised as of 5/2023 .
Itemized Service Fees
| Service | Fee |
|---|---|
| Membership Fee | FREE |
| Overdraft Fee (Checks, ACH, ATM/Debit) | $35.00 per item |
| Safety Net Overdraft Fee (if Opted in) | $35.00 per item |
| Overdraft Transfer Fee (From other shares) | $3.00 per transfer |
| Stop Payment Fee (Check, ACH) | $25.00 ea. |
| Stop Payment Fee (Check, ACH) (NSF in account) | $35.00 ea. |
| Photocopy of Check Fee | $3.50 ea. |
| Check Printing Fee | Prices vary |
| ATM Card/PIN Replacement Fee | $5.00 ea. |
| One time stop payment fee-- KIT origination ACH | $10.00 ea. | ACH Return Fee (By 3rd party) | $50.00 ea. |
| Domestic Wire Transfer In Fee | $10.00 ea. |
| Domestic Wire Transfer Out Fee | $20.00 ea. |
| Money Order Fee | $1.00 ea. |
| Loan Late fee: 10% of each scheduled payment past due, charged each time you pay until loan is current. | Minimum per pmt due: $25.00 Maximum per pmt due: $40.00 |
| VISA Late Fee | $30.00 |
| Non Member Check Cashing Fee | $10.00 ea. |
| Official Check Fee-Member: 1st Check Free 2 or more checks | $1.00 ea. |
| Cashier's Check Fee | $5.00 ea. |
| Interim Statement Fee | $1.00 pg. |
| Records Copy Fee (Statements, histories, etc.) | $1.00 pg. |
| Returned Check Fee | For personal checks drawn on another financial institution - funds backed out. $35.00 ea. |
| Research Fee | (No charge if error by Credit Union) $25.00 |
| Checkbook Balancing Fee | (1st time free) $25.00 hr. |
| Christmas Account Early Withdrawal Fee | (Prior to October 1st) $10.00 ea. |
| Garnishment/Levy Fee | $50.00 ea. |
| Loan Application Fee | Varies depending on loan |
| VISA Card/PIN Replacement Fee | $5.00 ea. |
| Dormant Account Fee | $5.00/mo. | Paper Statement Fee | $2.00/mo. |
| Skip A Payment Fee (not available on all loans) | $30.00/mo. |
| Safe Deposit Box Drilling (if both keys lost) | Fee Varies |
| Safe Deposit Replacement Key (1 key lost) | Fees Varies |
| Self-Serve Safe Deposit Box (Small) | $20.00 Yr |
| Self-Serve Safe Deposit Box (Medium) | $35.00 Yr |
| Self-Serve Safe Deposit Box (Large) | $50.00 Yr |
Aggregated Transaction Fees
| Service | Fee |
|---|---|
| ATM Withdrawal Transaction Fee (Per membership account) | First 5 in a calendar month FREE | Excess of 5 in a calendar month $2.00 ea. |
| ATM Deposits | FREE |
| ATM/Debit Card Point-of-Sale transactions | FREE |
| Debit Card Point-of-Sale International Transactions | 1% fee of total amount of transaction |
| Excessive Withdrawal Fee (per Prime Shares or Special Accounts) | First 5 in a calendar month FREE Excess of 5 in a calendar month $5.00 each (Cash and check withdrawal transactions) |
| Safety NET Fee | $35.00 each |