Fee Schedule
The following fee schedule will be in effect beginning September 1, 2024:
Effective September 1, 2024
Members must maintain a minimum of $5.00 per value of a share account at all times.
This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees and changes applicable to your regular share, share draft, and money market accounts at OnPath Federal Credit Union as of September 1, 2024. This schedule is incorporated as part of your account agreement with OnPath Federal Credit Union.
Miscellaneous Account Fees
| Fee Type | Fee Amount |
| Non-Sufficient Funds (NSF)* | $32.00 |
| Incoming Domestic Wire Fee | $10.00 |
| Incoming International Wire Fee | $15.00 |
| Outgoing Domestic Wire Fee | $20.00 |
| Outgoing International Wire Fee | $50.00 |
| Temporary Checks (8 checks provided) | $5.00 |
| Cashier Checks | $10.00 |
| Deposited Item Returned / Returned Loan Payment | $10/return |
| Check Cashing (Applies when member either has less than $100 on deposit or does not have an OnPath FCU Share Draft/Checking Account or Direct Deposit) | $5.00 |
| Non Member Check Cashing Assessed per Check | $7.00 |
| Christmas Club Early Withdrawal (Club funds are automatically transferred to share) | $10.00 |
| IRA Annual Maintenance Fee (per IRA) | $10.00 |
| Money Orders (up to $1,000) | $2.00 |
| Collection Account | $28.00 |
| Non-Member Cashiers Check | $25.00 |
| Research/Account Reconciliation Fee (per hour fee) | $10.00 |
| Photo Copy of Item | $5.00 |
| Statement Print Out | $5.00 |
| Bill Payer Service | NO FEE |
| Garnishment/Tax Levy/Legal Process | $50.00 |
| Dormant Share Account | $5.00 |
| Dormant Account Sent to State (Escheatment) | $50.00 |
| Returned Mail | $5.00 |
| Stop Payment/Stop Payment of Cashier Checks | $32.00 |
| Paper Statements | $2.00 |
Organizational Club Checking
| Fee Type | Fee Amount |
| Monthly Service Fee with Average Daily Balance of $250 | NO FEE |
| Monthly Service Fee with Average Daily Balance Less Than $250 | $10.00 |
Advantage Business Checking Account
| Fee Type | Fee Amount |
| Monthly Service Fee with Average Daily Balance of $2500 | NO FEE |
| Monthly Service Fee with Average Daily Balance less than $2500 | $10.00 |
| Up to 250 Transactions Per Month | NO FEE |
| Over 250 Transactions Per Month | $0.25/transaction |
| Monthly Cash Deposits Under $5,000 | NO FEE |
| Monthly Cash Deposits Over $5,000 | $1.50/per $1000 |
Share Draft / Checking Fees
| Fee Type | Fee Amount |
| Non-Sufficient Funds (NSF)* | $32.00 |
| Courtesy Pay/Overdraft Item | $32.00 |
| Overdraft Protection Transfer | $3.00 |
| OnPath FCU Forward Checking Monthly Fee ** | $6.95 |
| OnPath FCU Rise Checking Monthly Fee | $10.00 |
Money Market Fees
| Fee Type | Fee Amount |
| Share Draft Transfer (Overdraft Protection) | $15.00 |
| Excessive Withdrawls (After 3/month) | $10.00 |
Debit Card Fees
| Fee Type | Fee Amount |
| ATM & Access Card Balance Inquiry or Withdrawl (OnPath Network) | NO FEE |
| ATM & Access Card Balance Inquiry (Non OnPath Network) | $3.00 |
| ATM Card/Debit Card Fee for Replacement Cards | $15.00 |
| Expedited Card Fee | $50.00 |
All rates, products, services, and conditions subject to change without prior notice.
*You may be assessed multiple NSF fees for the same item if the transmitting institution requests that the item be re-presented for payment and funds are unavailable to cover the representment.
**Waived if average daily balance is $500 or greater per statement cycle.