Current Fees


Rochester & Monroe County Federal Credit Union is committed to providing the best options for our members. With lower fees and better fixed and variable interest rates than ordinary banks, we’re able to help our members save more interest on loans and earn more on your savings.

If you need more information about current fees, please call us at (585) 546-4279.

Fees


ATM or Debit Card Fees

Effective as of: November 1, 2023

Description
Fee
Replacement ATM or Debit Card
$5.00
Rush delivery ATM/Debit Card
$30.00

Loan Fees

Effective as of: November 1, 2023

Description
Fee
Mortgage Loan Late Fee after 15 Days
$ 35.00
Personal Loan Late Fee after 15 days
$ 25.00
Skip-A-Pay
$ 25.00

Checking Fees

Effective as of: November 1, 2023

Description
Fee
Copy of Share Draft
$3.00
Stop Payment on Share Draft
$35.00
Returned Share Draft/ACH
$35.00
Protest a Check or Draft
$20.00
Manual Transfer Overdraft Protection
$5.00
Member Initiated Transfer
FREE
Automatic Overdraft Protection
FREE

General Fees

Effective as of: November 1, 2023

Description
Fee
IRA Enrollment Fee
$5.00
IRA Annual Fee
$20.00
IRA Premature Withdrawal Fee
$10.00
Inactive Account Fee
$20.00
Club Account Close Fee
$5.00
New Member Fee
$1.00
Check Issue to Non-Owner
$5.00
Returned Check Deposited
$20.00
Returned Electronic Transaction
$35.00
Stop Payment on Automatic Debit
$35.00
Statement Copies (hourly fee plus page fee)
$20.00
Statement Copies per page
$0.25
Returned Mail-Bad Address (per item)
$5.00