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
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
Savings Account Fees
NSF 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**
Checking Account Fees
Overdraft from Savings Acct. to Checking Acct. FREE
Overdraft Privilege/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
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
ATM/Check (Debit) Replacement Card FREE
Safe Deposit Box Fees
Drill and Lost Key Fee $150.00
Rental Fee (Annual)
Regular Golden Club
3×5 $20.00 3×5 $16.00
5×5 $30.00 5×5 $24.00
3×10 $35.00 3×10 $28.00
5×10 $50.00 5×10 $40.00
7×10 $70.00 7×10 $56.00
10×10 $100.00 10×10 $80.00
* 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