Fees and Service Charges as of June 26, 2018
| Item or service | Service Charge | Notes |
|---|---|---|
| Check Cashing | $5.00 per check item | Only for members over age 18 years of age with only a regular savings account with less than $100 balance and no other Freedom accounts |
| Non-member Check Cashing Fee | $10.00 per check item | Freedom checks only |
| Check Copies | $6.00 per item | Includes money orders, Freedom bank or cashier's check, and bill pay service check |
| Printed Check Orders | Prices vary for all printed check orders | FREE unlimited Specialty Grey style with Youth and Rewards Checking1 |
| Inactive Account | $7.00 per month | No activity for 12 months--waived for members under 18 years of age3 |
| Rewards Checking | $10.00 per month | In order to avoid this fee, members must EITHER keep an average of $1,000 OR perform six transactions in each calendar month3 |
| Money Market and Money Market IRA Accounts | $10.00 per month | If minimum balance falls below $2,500 minimum3 |
| Returned Checks | $35.00 per item | Cashed/deposited, loan/credit card payment, pre-authorized transfers |
| Returned Checks—Loan Payments | $15.00 per item | Loan/credit card payment on second presentment |
| Non-sufficient Funds | $35.00 per item | Includes checks, ATM withdrawals, uncollected funds and deposit on hold |
| Overdraft charge for items covered by Courtesy Pay | $35.00 per item | |
| Stop Payment (includes cashier's checks, money orders, personal and official checks, pre-authorized transactions and bill pay) | $30.00 per order | FREE with Rewards Checking1 |
| ACH/Electronic Funds | Service Charge | Notes |
| Outgoing Wire Transfers | $25.00 domestic $40.00 international | |
| Incoming Wire Transfers | $5.00 each | |
| ATM Debit/Check and Credit Card Services | Service Charge | Notes |
| ATM balance inquiry at non-Freedom and out of network ATM (See web site for in-network locations) | $1.50 per item2 | Six (6) FREE per month balance inquires or other transactions with Rewards Checking1 |
| ATM Debit/Check Card or Credit Card replacement card | $7.00 per item | Special RUSH shipping $25.00 |
| ATM/Debit Card Overdraft | $35.00 per item | |
| Cash advance with a Freedom credit card | $10 or 2% of the amount of the transaction, which ever is greater | At branch or ATM |
| Online Banking Services | Service Charge | Notes |
| Inactive Bill Pay | $7.00 per month | If less than one transaction is conducted and processed per calendar month. Bill pay service must be used prior to the second-to-last day of the month to avoid a fee.3 |
| Other Bill Pay Fees Online Gift Check | $2.99 per payment | |
| Online Charitable Donation | $1.99 per payment | |
| Expedited Bill Payment Fees | Service Charge | Notes |
| Electronic 2nd Day Payment | $4.95 per payment | |
| Overnight RUSH Payment Delivery* | $19.95 per payment | *For payments made via Online Bill Pay where payee does not accept electronic payments, thereby requiring paper check delivery |
| 2nd Day RUSH Payment Delivery* | $14.95 per payment | *For payments made via Online Bill Pay where payee does not accept electronic payments, thereby requiring paper check delivery |
| General Services | Service Charge | Notes |
| Account history printout | $6.00 per page | |
| Account reconciliation | $25.00 per hour | Minimum charge of $25.00 |
| Account research | $3.00 per 15 minutes | |
| Account statement copy | $6.00 per account, per statement | |
| Automated share or line of credit transfer service | $7.00 per day | First one free per month |
| Closed member account within 60 days of opening | $25.00 per occurrence | |
| Copy of transaction voucher, deposit slip/Visa sales slip | $6.00 per item | |
| Court order copy | $50.00 per copy | |
| Counter checks | $5.00 per sheet (4 checks per sheet) | |
| Check Payment by Phone | $15.00 per check | To make payment by due date or to avoid late fees |
| Escheat Processing | $10.00 for balances under $50.00 | |
| Escheat Processing | $20.00 for balances of $50.00 and over | |
| Fax, Photo, Imaged and Microfilm copies | $6.00 per page | |
| Financial Institution to Financial Institution transfers | $1.00 per outgoing transfer | In Home Banking, incoming is free |
| Foreign check collection | $25.00 per item | Canadian checks only |
| Freedom bank or cashier's checks (First check free each month, additional thereafter) | $5.00 per item | Free with Rewards Checking1 |
| Garnishment Fee and Court Hold Order | $100.00 per occurrence | |
| Incorrect or No Forwarding Address | $10.00 per month | |
| Legal document review fee (if attorney reviewed) | $75.00 | |
| Money Orders | $5.00 per item | Free with Rewards Checking1 |
| Notary Services | Free for members, $3.00 per item for non-members | |
| Paper Statement | $3.00 per month | Avoid monthly fees by enrolling in e-Statements Waived for members over 70 or under 18 years of age |
| Reopen account closed by Freedom for adverse usage | $30.00 | |
| Signature Guarantee | $10.00 per item |
Disclosures
1 Freedom no longer offers NEW Rewards Checking Accounts. Existing Rewards Checking Accounts will continue to be serviced in accordance with the original product terms and conditions
2 Freedom does not have control over fees that may be charged by other financial institutions, third-party service providers or ATM owners
3 Any fees assessed are pulled from the account on the last day of the month
For Business Service Charges please see Business Service Charges 2-13-18
All terms are subject to change