MEMBER PROFILE

Bonnie Comella A Home Expansion Experience

Bonnie and her husband Mike came to Alternatives after researching their options for home expansion. "The Future Value Home Equity Line of Credit seemed to be just what we were looking for," Bonnie told us. "We were so relieved to find a financial institution that was willing to see our expansion as home equity and not new construction! We loved the relaxed and helpful atmosphere. It left us feeling like the Credit Union wanted to do business with us - not just make a loan.

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VISA Credit & VISA Debit Card Fees

VISA Credit Card Fees || VISA Debit Card Fees

VISA Credit Card Fees

1.FOREIGN TRANSACTIONS:
Purchase and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which ratte may vary from the rate VISA itself receives, or the government mandated rate in effect for the applicable central processing date, plus 1%.

2.OTHER CHARGES: If you use your card in an ATM that is not owned by the Credit Union, you may be charged a transaction fee. We will charge you for using your Alternatives VISA Card service in certain instances.

· Copy of statement: There will be a $2.50 charge for each copy of a statement.

· Copy of VISA transaction slip: We will charge $10.00 for each copy a VISA transaction slip requested.

· Expedited cards: If you would like to obtain your card(s) on an expedited basis, a $16.50 fee will be charged for up to 2 cards, and $16.50 for each additional card.

· Additional cards: If additional cards are requested on a non-expedited basis, a $10 charge will be assessed additional cards over the first two.

· Temporary raise in credit limit: If we agree to temporarily raise your credit limit, you will be charged $10.

· Replacement card: There is no charge for the first replacement card, subsequent cards are $10 each.

· Blocked cards: If your card has been blocked and you attempt to use it, you will be charged $5 for processing each transaction in addition to any other fees that may apply. If you use your blocked card and the merchant keeps it, you will be charged a fee of $65-$100.

· Over limit: A fee of $20 will be charged if, on a statement date, you are over your credit limit, and you will be charged the fee in subsequent months until your balance is below your credit limit.

· Bounced payment: If a check used to make payment on your account is returned unpaid, you will be charged a fee for $20 for each item returned.

· Collections: You will also be required to pay all costs of collecting the amounts you owe under this agreement, including court costs and reasonable attorney fees.

VISA Debit Card Fees
We will charge you for using our Alternatives VISA Debit Card service in certain instances.

· Alternatives ATM Fee: There will be a $1 charge for each ATM use if you do not have a Line of Credit, but that $1 charge is waived if you use an Alternatives Credit Union ATM.
· Other institution's ATM Fee: If you use your card in an ATM that is not owned by the Credit Union, the owner of the ATM may charge a transaction fee.
· Overdrawn: If your share draft account becomes overdrawn, and you do not have a Line of Credit with available funds, we will charge you $5.00 for each day a transfer is made and $20.00 for each item overdrawn.
· VISA Debit card transaction slip request: We will charge $10.00 for each copy of a VISA Debit Card transaction slip requested.
· Expedited card: If you would like to obtain your card(s) on an expedited basis, a $15 fee will be charged for the first card, and $10 for each additional card.
· PIN replacement: We will charge you zero to replace your PIN.
· Temporary credit limit increase: If we agree to temporarily raise your credit limit, you will be charged $5.
· Replacement cards: Your first replacement card will be free; for each subsequent replacement card we will charge $10.00. A $10 charge will also be assessed for additional cards over the first two.
· Blocked card use: If your card has been blocked and you attempt to use it, you will be charged $5 for processing each transaction in addition to any other fees that may apply. If you use your blocked card and the merchant keeps it, you will be charged a fee of $65-100.