| General Fees For All Accounts | |
| Cash Advance Fee (min. advance is $50) | $0.00 members, $5.00 non-members |
| Stop Payment/ACH Stop Payment | $35.00 each |
| Check Cashing Fee | $0.00 members, $5.00 non-members |
| Deposited Item/Loan Return Check Fee | $35.00 each or $5 each if funds are available |
| Gift Card | $1.00 each |
| Legal/Research/Reconciliations | $25.00 per hour, $10.00 minimum |
| Returned Statement Fee (Bad Address) | $5.00 per statement |
| Wire Transfer Service Fees |
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| Wires initiated by ValleyStar to another financial institution: | |
| • Wire transfer in US Dollars to International financial institution | $45.00 each |
| • Wire transfer in foreign currency to International financial institution | $30.00 each |
| • Wire transfer in US Dollars to US financial institution | $15.00 each |
| Wires initiated by another financial institution to ValleyStar: | |
| • Wire transfer using ValleyStar routing number to complete | FREE |
| • Wire transfer using a Swift Code to complete | $25.00 each |
| Business Savings Account Fees | |
| NSF Return/ACH Return Fee | $35.00 each |
| Excess Withdrawal Fee (over 6 per month) | $3.00 each |
| Inactivity Share (Savings) Account Fee | $5.00 per month after 120 days of inactivity** |
| Business Checking Account Fees | |
| Minimum Balance Fee (Classic Business Checking) | $12.00 per month if balance falls below $2,500 |
| Overdraft from Savings Acct. to Checking Acct. | FREE |
| NSF Return/ACH Return Fee | $35 each if transaction overdraws by $3.01 or more** |
| International Transaction Fee | 2.00% of each transaction in US Dollars |
| Currency Requests | $10.00 per request over $5,000 |
| Coin | $0.20 per roll |
| Money Market Account Fees | |
| Money Market (MM) Service Fee | $5.00 per month if minimum balance not met |
| MM Excess Withdrawal Fee (over 6 per month) | $5.00 each |
| ATM Fees (DBAs only) | |
| ATM/Check (Debit) Replacement Card | FREE |
*Fee also applies to overdrafts incurred at the ATM
**Inactivity for 120 days on Savings Account with less than $500 on deposit and no other account relationship within same member number
