Tel: +501-268-9301

Fee Schedule

Natural State FCU
(Effective July 2016)
Share Account Fees
Excessive Withdrawal Fee: (If more than (2) per month) $5.00 per withdrawal
Share Account Early Closure Fee: (If closed within 120 days of opening) $20.00
Returned Item Fee: $30.00 per item
NSF/Account Negative Fee: $30.00 per item
Stop Payment Fee: (Auto Draft/ACH/EFT) $30.00 per item
Christmas Club: Early Closure Fee:  $20.00 Early Withdrawal Fee:  $5.00
Vacation Club: Early Closure Fee:  $20.00 Early Withdrawal Fee:  $5.00
*Dormant Account Fee: (Accounts under $100 & 1 year of no activity) $5.00
*(This does not include Thrifty Youth Accounts)
Disbursement of Check to 3rd Party Fee: $3.00 per check
Share Draft Account Fees
NSF/Account Negative Fee: $30.00 per item
Returned Item Fee: $30.00 per item
Stop Payment Fee: (Auto Draft/ACH/EFT) $30.00 per item
Share Draft Check Order: Prices vary depending upon style
Copy of Share Draft Fee: $3.00 per copy
Other Service Fees (applicable to all accounts) **
Stop Payment Fee: (Checks withdrawn on Share Accounts) $35.00 per item
Deposited Check Return Fee: (Returned from Bank) $30.00 per item
Check Cashing Fee: (members with less than $500 balance) $3.00
Account Reconciliation Fee: $15.00 per hour
Account Research Fee: $15.00 per hour
Statement Copy Fee: (Statement Reprint) $15.00 per copy
Wire Transfer Fee: (Outgoing) $20.00 per wire
Debit Card/ATM Fees: $1.00 per month & $1.00 per ATM Withdrawal
Debit Card Replacement Fee: $10.00
Pin Change/Reset Fee: $2.00
Temporary Card Block/Hot Card Fee: (Requested thru Credit Union) $3.00
Fax Fee: $1.00 per page
Share/Loan Ledger Copy Request: $1.00 per page
Levy/Garnishment Request: $50.00
E-Statements: FREE
*Printed Statements: $10.00 Annually
*One-time fee per year includes quarterly Newsletters.
Loan Fees
Loan Request Fee: $25.00 per loan
Loan Refinance Fee: $30.00 per loan
Late Fee: $30.00 after 10 days
UCC Filing Fee: $20.00
Title Default: (after 2 months) $25.00 per month
Skip-a-payment: (twice per year, once every 6 months) $25.00
Visa Late Fee: $30.00
Credit Union Membership
Membership Share: $25.00 per value
Membership Fee: $1.00 entrance fee
**Any Additional Bank Charges May Be Added to Above Fees

Financial Calculators



Holiday Closing

Holiday Closings for 2019

  • Tuesday, January 1, 2019 – New Year’s Day
  • Monday, January 21, 2019 – Martin Luther King Jr. Day
  • Monday, February 18, 2019 – Presidents Day

*We will resume normal business hours the next business day after the holiday.

Dates to remember:

  • Saturday, March 9, 2019 – 63rd Annual Meeting
  • Sunday, March 10, 2019 – Daylight Saving Time Begins