Fees

Effective - 04/01/2008

The following fees and transaction limitations amend your Account Agreement and Disclosures (PDF). These fees and limitations MAY be assessed against your account if applicable.

Complimentary Services

ATM Transactions at Alliant-owned ATMs	FREE
ATM Transactions at Non-Alliant Owned ATMs First 8 Free, then $1 per transaction (ATM cash withdrawals and inquiries in excess of a total of eight per month including CO-OP Network, Alliance One, Credit Union 24 and Allpoint ATMs)	FREE
Consumer Loan Application	FREE
Consumer Loan Modification	FREE
Convenience Card	FREE
Financial Counseling and Budgeting Services	FREE
1st Box of Checks when opening a new Checking Account	FREE
Home Equity Checks	FREE
Home Equity Loan Processing Fee* (up To $250,000)	FREE
HSA Set-up Fee	FREE
HSA Custodian Check Issuance Fee	FREE
HSA Excess Contribution Reimbursement	FREE
HSA Checks	FREE
HSA Monthly Maintenance Fee	FREE
HSA Replacement/Additional Debit Card	FREE
HSA Transaction Fee	FREE
Incoming Wire Transfer	FREE
Online Banking with Bill Pay non sufficient funds (NSF) fees apply	FREE
Online Check Copies	FREE
Online Member Account Statements	FREE
Online Vehicle Buying Services	FREE
Overdraft Transfer from line of Credit Loan**	FREE
Point-of-Sale with Cash Back	FREE
Signature Guarantee Stamp	FREE
Teller Transactions	FREE
Third Party Share Drafts (3 per day) $2 for each withdrawal thereafter	FREE
VISA® Debit Card	FREE
VISA® Credit Card Balance Transfer	FREE
VISA® Credit Card Platinum Rewards and Platinum Annual Fee	FREE
VISA® HSA Debit Card	FREE

Account Basics

Account Closed within 90 Days of Opening	$5
Account Maintenance Upon Member Request (1 hr min)(per hour) Account Balancing Assistance Account Research Subpoenas	$25
Bad Address Fee	$10
Copy of Document (per document) Account Activity Printout Check Copy*** Interim Statement Member Statement*** Special Statement Cutoff Subpoena Wire Transfer Confirmation Copy	$5
Courtesy Pay Fee (per occurrence) Written Check Electronic Item	(effective 5/1/08) $29
Deposit of Check Drawn on a Non-U.S. Bank	$30
Dormant Account Fee (per year) (One year in which no withdrawals or deposits, other than credited dividends were made to the account)	$10
Miscellaneous Fees (per item) Levies Garnishments Collection Item	(effective 5/1/08) $29
Manually Paid Checks and ACH Items	(effective 5/1/08) $29
Nonsufficient Fund Item (each) Written Check Deposit Electronic Item	(effective 5/1/08) $29
Overdraft Transfer (max per day) Savings Supplemental Savings	$10
Replace Lost or Stolen Card VISA® Debit Card Convenience Card VISA® Credit Card	$10
Return Deposit Item	(effective 5/1/08) $29
Sight Draft Deposity Fee (per item)	$25
Stop Payments (all items)	(effective 5/1/08) $29
Telephone initiated ACH entries (per occurrence) Loan payments received from other financial institutions (if applicable) Transfers to other financial institutions	(effective on or after 5/1/08) $10

Wire Transfers

Domestic Wire Transfer (outgoing)	$30
Foreign Wire Transfer (outgoing)	$50

Mail Services

Priority mail services for distribution of VISA® credit cards, checks, VISA® Debit Card, HSA Card, Convenience Card, PIN mailer, etc.

Prices start at $18

Product Fees

Airplane Loan Fee	$175
Amortization Report - Fixed Only	$15
Copy of Loan File - Fixed Only	$25
Copy of Mortgage Documents - Fixed Only (each)	$5
Copy of Valuation - Home Equity Only	$25
Duplicate Release Fee - Fixed Only	$25
Home Equity Loan Rate Modification (per occurrence)	$250
Home Equity Products Subordination Fee	$75
Loan Late Payment Fee - Consumer Loans	$25
Loan Late Payment Fee - Home Equity Products	$10
Loan Late Payment Fee - Home Equity Products (on loans originated on or after August 15, 2007)	$25
Mortgage Late Payment Fee (greater than 15 days) MA and NY	5% of payment due 3% of payment due
Mortgage Payment Modification	$250
Mortgage Rate Modification (.50% of principal balance)	$500-$3,000
Mortgage Pre-Approval Fee	$100
New York Assignments	$570
Payoff (Demand) Statement Fee (CA Only)	$30
Payoff (Demand) Statement Fee (except CA)	$35
Payoff Statement Fax Fee - Fixed Only	$10
Partial Release Fee	$200
Payment History - Fixed Only	$5
Reconveyance Fee - CA Fixed Only	$45
Vehicle Service Agreement Transfer Fee	$40
Verification of Mortgage - Fixed Only	$10

Download the Fee Schedule (PDF).

* Subject to credit qualification. Up to $1,000 fee for loans over $250,000 **Accrues interest if utilized
***Available at no cost if printed online unless check was converted to ACH

Note: Real estate loans are subject to additional fees. For complete fees refer to loan documents.
For VISA® credit card fees refer to the VISA® Credit Card Agreement.