Fee Schedule
Shares |
|
| Maintenance Fee | $5.00/month (Waived if monthly aggregate share balances greater than $250; positive Del-One loan balance that is current; transaction completed during the month; or age 18 or under.) |
WINcentive Savings |
|
| Withdrawal Fee | 1st withdrawal = $10 2nd = $25 3rd withdrawal = account closure required (no penalty); all entries forfeited After member has reached their 12 month anniversary date from account opening, member is permitted to make one penalty-free withdrawal from account during anniversary month |
Money Market |
|
| Low Balance Fee | $5.00/month (minimum balance of $5,000 to avoid fee) |
Vacation & Christmas Club |
|
| Excess Withdrawal Fee | $2.00/withdrawal (over 2 per year) |
Checking |
|
| NSF Fee (Non-sufficient Funds) | $25.00 each |
| Paid NSF (Courtesy Pay) | $25.00 each (per covered transaction) |
| Automatic Overdraft Transfer | $2.00 each |
| Check Order Fee | 1st box is free (select styles – consumer only) Cost for additional boxes will vary based on style selected Free to members 50 years of age and older (select styles) |
Loan |
|
| Lien Fee | $25.00 |
| Pay by Phone Fee | $5.00 |
| Refinance Fee | 1% of amount financed (Refinance fee is only charged if the rate decreases due to the refinance of any Del-One loan.) |
Unsecured Loan |
|
| Late Payment Fee | 20% of interest due after 5 days |
Secured Auto Loan |
|
| Late Payment Fee | Lesser of $15.00 or 5% if the total amount of the payment is not paid in full after 10 days |
Variable & Fixed Rate Home Equity |
|
| Late Payment Fee | 20% of interest due after 15 days |
| Application Fee | $200 (non-refundable) applicable to all applicants |
| Closing Cost* | $310 *Closing costs waived for loan amounts of $50,000 or more in “new” money. |
Variable Rate Home Equity Line of Credit |
|
| Over Limit Fee | $30.00 |
Payday Alternative |
|
| Application Fee | $20.00 |
Visa Credit Card |
|
| Penalty Rate | 18% |
| Late Payment Fee | Up to $35.00 but not greater than minimum payment due amount |
| Returned Check/Payment Fee | Up to $35.00 but not greater than minimum payment due amount Balance Transfer Fee None |
| Balance Transfer Fee | None |
| Returned Balance Transfer Fee | $10.00 per item |
| Statement Copy Fee | $1.00 each page |
| Cash Advance Fee | 2% of each amount ($5 minimum/$35 maximum) |
Miscellaneous |
|
| Excessive Transfer/Withdrawal Fee (applies to Shares, Christmas/Vacation Clubs, and Money Market) | $10 each (in excess of 6 per month) |
| Statement Copy | $1.00 per page |
| Return Statement Fee | $2.00 (for each undeliverable statement) |
| Research/Reconciliation Fee | $10.00 per hour (if other than CU error) |
| Draft/Check Copy | $3.00 each |
| Dishonored Deposit | $25.00 each |
| Stop Payment | $25.00 each (maximum charge when drafts are consecutive) |
| NSF Fee (Non-sufficient Funds) | $25.00 each |
| Incoming Wire Transfer | $6.00 each |
| Outgoing Wire Transfer | $12.00 each |
| Money Order | $2.00 each |
| Official Check (Payable to Third Party) | $3.00 per check |
| Dormant Account Fee | $5.00/month (No transactions within the last 12 months. Other conditions may apply.) |
Visa Debit Card/ATM |
|
| Foreign ATM Fee | $1.00 each (waived for DE Wawa, DE Royal Farms & DE 7-Eleven ATMs) |
| Replacement Card | $5.00 each |
| International Transaction Fee | 1% of purchase |
Visa Gift Card |
|
| Purchase Fee | $3.50 – See card disclosure for additional fees. |
Visa Reloadable Debit Card |
|
| Purchase Fee | $5.00 – See card disclosure for additional fees. |
Online Banking |
|
| Online Account Access/ Bill Pay | NO CHARGE |
| Overnight Check | $14.95 |
| Same Day Pay | $9.95 |
| Popmoney® | NO CHARGE |
Safe Deposit Box |
|
| Box Size | Annual Rent |
| 3X5 | $30.00 (Milford, Smyrna & West Dover locations only) |
| 5X5 | $45.00 (Milford & Smyrna locations only) |
| 3X10 | $50.00 |
| 5X10 | $65.00 |
| 10X10 | $120.00 (West Dover location only) |
| Lost Key/Drill Fee | $150.00 |
Business Checking |
|
Maintenance Fee |
|
| Business Checking | $10.00 per month (minimum balance of $1,000 to avoid fee) |
| Non-Profit Business Checking | FREE |
| Dishonored Deposit | $5.00 each |
| Check Paid/Deposited | First 300 items free, then $0.30 each (Deposited items include all deposits to the member number regardless of share type.) |
| Coin Deposited | $0.10 per roll (no charge when using coin machine) |
| Overdraft Transfer | $2.00 per item |
| Cash Deposit Fee (if cash and coin is > than $2,500) | Greater of 1% of amount deposited or $50 per employee, per hour. (Fee waived if $5,000 on deposit in a Del-One checking account.) |
