WyHy Federal Credit Union Schedule of Fees & Charges & Point Disclosure

Effective August 16, 2010

Share Par Value $5.00

Service	Fees	Points	Service	Fees	Points
Membership Fee*	5.00		Incoming Wire Transfer	3.00	60
Share Draft Minimum to Open	25.00		Outgoing Wire Transfer	20.00 ea	400
			Outgoing Wire Transfer - International	45.00 ea	900
Overdraft Fee per item**	28.00 ea	560	Western Union Outgoing	25.00 ea	500
Mbr Fee Return Dep Item If Acct at Another FI	28.00		Member Request to Fax Copy	5.00 ea	100
Stop Payment per Item Online	15.00	300	Member Share Draft Copy	5.00 ea	100
Stop Payment per Item in Person	25.00	500	CU Check to 3rd Party	5.00 ea	100
ACH Origination/Check by Phone	10.00	200	CU Check to Govt. Agencies	Free
ACH Stop Payment Fee	25.00	500	Photocopy of CU Official Check	5.00 ea	100
ACH Return Origination	28.00	560	Stop Payment of CU Official Check	25.00	500
Statement Balancing			Money Orders	2.00 ea	40
First Hour	Free		International Drafts	Varies
Each Additional Hour	25.00	500	International Cash Letter ****	25.00	500
Account Research Per Hour	25.00	500	International Collection Items	Varies
Visa Debit Card Annual Fee	Free		Bill Payment No B/P Transactions 1 or more B/P Transactions	5.95 mo Free
Visa Debit Card Transaction Fee 1 or more Debit/ATM Transactions No activity during the quarter	Free 10.00 qtr	200	Bill Payment No B/P Transactions 1 or more B/P Transactions	5.95 mo Free
	Free 10.00 qtr	200	Temporary Check Fee First Twenty Per Year Thereafter Per Check	Free 0.50
ATM Card Fee (One Time Upon Opening)	10.00
ATM Quarterly Fee (Inactive)	10.00 qtr	200
Replacement/Lost Debit/ATM Card (1X Free)	5.00	100	Interest Share Draft - If balance falls below $500	5.00 mo	100
Photocopies Per paid Card Transaction	20.00	400	DBA Organizational - If balance falls below $500	10.00 mo	200
ATM Transaction Fee (proprietary)	Free		Non CO-OP Member	1.50 ea
Rush Check/Debit Card Order	35.00	700	Rush ATM Card Order	35.00	700
Gift Card Fee	5.00 ea		On-Line Customized Gift Card	Varies
Audio Service Center	Free		Online Banking	Free
Coin Counting Member (Fee for rolled coin - loose coin is free) Non-Member (whichever is less/greater)	10.00 or 10% 10.00 or 10%		Money Market - If balance falls below $2,500	10.00 mo	200
Notary Public	Free		Second Chance Share Draft with Direct Deposit without Direct Deposit	10.00 mo 15.00 mo
Garnishments, execution or levies	50.00 ea	1000	Stale Dated CU Check Fee	Lesser of 10.00 or Balance of Check
Outgoing Collection Fee	15.00 ea	300	Loan Late Fee	Varies	Varies
History Printout	5.00 per page	100	Skip-a-Payment Fee by MSR	50.00
Statement Copies	5.00 per page	100	Skip-a-Payment by Member	25.00
Non-Active Member Check Cashing Fee	15.00 ea
Loan Processing	50.00		Safe Deposit Boxes (Cheyenne Only) 3x10x21 Per Year 5x10x21 Per Year 10x10x21 Per Year One Lost Key Key Lost - Drill Box	25.00 40.00 60.00 5.00 ea Varies	500 800 1200 100
Existing Loan Refinance	100.00
Return Mail	15.00	300
Dormant Account	25.00 mo	500
Inactive Account	25.00 mo	500
Account Closed within 90 days	25.00

*Upon opening a Share account, the member will be required to deposit $10.00, with $5.00 to be retained by the Credit Union as a Membership fee. $5.00 remains a Share Par Value in the account and belongs to the owner after 90 days.

**Overdraft Protection Program: To qualify members must not be delinquent on any loans. Members who do not have a Direct Deposit through ACH or Payroll Posting will be assigned an Overdraft Fee amount of $250.00. Members who have a Direct Deposit through ACH or Payroll Posting will be assigned an Overdraft Fee amount of $500.00 if their Direct Deposit is $.01 to $500.00. If a member's Direct Deposit is $500.01 and up, they will be assigned an Overdraft Fee amount of $1,000.00. Full disclosure available upon request.

***Retired members who are 55 years or older, and have direct deposit or Social Security will be eligible to receive a maximum of two boxes of economy checks, Liberty BIDS, or ECDS checks,within a twelve month period of time. If these members want upgraded checks or designs, then they will be required to pay the difference.

****The Credit Union gives provisional credit for the check; the minimum amount that the Credit Union can accept for the item is $50.00.

*****For Fixed Rate Loans: A late charge of 5% of the payment or $25.00, whichever is greater, will be assessed on the 10th day past due. This fee will be deducted from the payment.
For Variable Rate Loans: A late fee charge of 5% of the payment or $25.00, whichever is greater, will be assessed on the 10th day past due. This fee will be added to the payment.

WyHy Federal Credit Union Schedule of Fees & Charges & Point Disclosure

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