Account Type	Fee
Membership Savings	No Monthly Fee
Basic Checking (No monthly fee with an average monthly balance above $100)	$10.00/Month
Epic Checking	$8.00/Month
Epic Premium Checking	$10.00/Month
Epic Student Checking	$4.00/Month
Aspiria Checking	$5.00/Month
Insured Money Market Rate Account (No monthly fee with an average balance of $2000.00)	$7.00/Month
Term Share Certificate	No Monthly Fee
IRA Share Savings	$10.00/Annual

Service	Fee
Account Research A fee of $60.00 per hour we spend to process your request for research, which will be chaged in 15-minute increments after the first hour. The minimum charge is one hour’s fee.	$60.00/Hour
ATM Deposit Adjustment ATM Deposits made erroneously, that require manual correction by the institution will incur a fee of $2.00	$2.00
Cashier’s Check & Corporate Check Purchases* A fee of $15.00 per check purchased.	$15.00
Check Order A fee for each box of standard checks ordered through OceanAir. Check prices vary based on selection. Please contact us for current pricing.	Varies
Coin Machine Redemption* A fee of 10% for each coin deposit is based on the total amount of each coin deposit through our on-site coin machines.	10.00%/Deposit
Collection Item A fee of $25.00 for each collection item.	$25.00/Item
Credit Card Replacement (Rush Order)* A fee of $50.00 for each additional card issued as a Rush Order. Usually 2-3 day delivery.	$50.00
Debit Card Replacement (Rush Order)* A fee of $50.00 for each additional card issued as a Rush Order. Usually 2-3 day delivery.	$50.00
Debit Card Replacement A fee of $5.00 for each replacement card	$5.00
Domestic Wire Transfer Outgoing A fee of $30.00 for each outgoing wire transfer transaction	$30.00
Domestic Wire Transfer Incoming A fee of $10.00 for each incoming wire transfer transaction	$10.00
Early Account Closure A fee of $10.00 for closing your account within six months of opening date	$10.00
Escheatment Due Diligence Notice* Notice of property escheatment on dormant accounts will incur a $2.00 fee per notice	$2.00
Excess Transaction Fee* An excess transaction fee on Savings & Money Market accounts that exceeds the 6-transaction limit per day	$10.00/Transaction
Foreign Item & Cash Letter Processing A fee of $35.00 for each foreign item processed	$35.00
Foreign ATM & Non-CO-OP Network ATM A fee of $3.00 for each ATM transaction at a non-OceanAir or non-CO-OP Network ATM	$3.00
Foreign ATM & Non-CO-OP Network ATM Surcharges A fee by the ATM owner. We do not control these fees.	Varies
Foreign Wire Transfer A fee of $70.00 for each wire transfer transaction sent to a foreign country.	$70.00
Inactive Dormant Account A fee of $10.00 per month if your account has no activity over a 12-month period	$10.00
IRA Annual Fee An annual fee of $10.00 for each IRA share	$10.00
IRA Direct Transfer A fee of $25.00 for each IRA transfer to another institution	$25.00
Legal Attachments, Levies, and Garnishment Fee A fee of $60.00 for each notice we process	$60.00
Money Order A fee of $5.00 for each money order	$5.00
Medallion Signature Guarantee A fee of $25.00 for each Medallion Signature Guarantee	$25.00
Member Requested Correspondence* Any correspondence written on behalf of a member’s request will incur a $10.00 fee	$10.00
Non-member Check Cashing A non-member will be charged $10.00 for each OceanAir check cashed	$10.00
Notary Service A fee of $15.00 for each notary signature (no fee for OceanAir related documents)	$15.00
NSF – Non-Sufficient Funds A fee of $35.00 for any items returned unpaid due to insufficient or unavailable funds posted to your account	$35.00/Item
Overdraft Privilege (Courtesy Pay Program) A fee of $30.00 for each check, ACH payment, recurring debit card payment, everyday debit card and ATM transaction, and other items OceanAir pays that result in an overdraft of your available balance. No fee is charged for any item.transaction of $10.00 or less if your available balance is not sufficient to cover the item. The maximum charged per day is five (5) overdraft fees totaling up to $150.00	$30.00/Item
Overdraft Protection (Share to Share, or Personal LOC to Share)* A fee of $2.00 will be charged for transfers made from one share to another to cover a negative balance. (Max fee charged $2.00 per day)	$2.00
Phone Cash Advance A fee of $10.00 for each transaction processed over the phone using a debit or credit card	$10.00
Skip-a-Payment A fee of $35.00 per loan payment you are qualified to skip	$35.00
Statement Copies* A fee for each statement copies requested over the phone or in person will incur a fee of $5.00 per physical paper statement copy. PDF copies of statements are free.	$5.00/Copy
Stop Payment A fee of $25.00 for one (1) stopped item or a sequential range of items processed in branch or by phone. Items include checks, cashier’s checks, credit card convenience checks, and ACH debit items.	$25.00
Temporary Checks A fee of $10.00 for each page of temporary checks printed on more than 2 sheets of paper per year.	$10.00
Transactional Correction A fee of $20.00 for each transaction correction processed	$20.00
Velera Shared Branch Transaction A fee for a transaction conducted through a Velera Shared branch . Fees are set by visting Shared Branch credit union.	Varies