A card becomes dormant after 12 consecutive months without usage activity. A reactivation fee applies when the card is reactivated.

The international transaction fee applies to transactions outside of the United States, including purchases and ATM withdrawals made in foreign currencies or in U.S. dollars, and to online transactions from merchants located outside the United States. ATM owners may charge a separate fee for ATM withdrawals. Currency conversion rates may apply in accordance with card-network rules.

Non-Sufficient Funds (NSF) fees apply per item and are charged only on the first presentment of a transaction that is returned unpaid due to insufficient funds.

The stop payment fee applies per stop-payment request submitted by the member.

OAS FCU may waive certain fees if you maintain three or more qualifying services, which may include online banking, electronic statements, bill pay, payroll deductions, or automatic transfers. Qualifying services are determined by the Credit Union and subject to change.

We provide copies of share draft checks or cashier’s checks upon request. Availability of images may vary depending on the clearing and retention status of the item. Share Draft Check images are available at no charge through Online Banking.

Returned deposited-item fees apply each time a deposited check or ACH item is returned unpaid by the paying institution, including if the same item is re-presented and returned again.

Overdraft and extended overdraft fees may apply when the available balance in an account is not sufficient and the Credit Union pays an item that overdraws the account. Extended overdraft fees apply when the account remains overdrawn for more than five business days. Overdraft fees are not assessed on ATM or one-time debit card transactions unless you have provided affirmative consent.

Checkbook order pricing is set by the check vendor and may change at any time. Shipping costs vary by vendor and delivery method.

Account research fees apply when you request research or reconciliation beyond what is provided in normal account servicing.

Same-day ACH availability and processing depend on cutoff times and NACHA rules. Transactions received after cut-off time are processed the next business day.

A fee applies when the credit union must request a recall, correction, or amendment of an outgoing wire. Success is not guaranteed and depends on the receiving institution. The receiving financial institution or intermediary banks may also charge fees, which are not controlled by OAS FCU and may be charged separately.

Fees apply to paper statement copies and paper transaction history requests. Electronic statements and routine self-service inquiries through Online Banking are not subject to these fees.

OAS FCU determines that a main share account is dormant if there has been no activity initiated by you for one year and you have no other open active share sub-accounts (such as share draft, share certificate, club, or IRA accounts) and no open loan accounts. The monthly dormancy fee begins once dormancy is established, and will continue until you activate it through a transaction that you perform, until the funds are depleted, or the account is escheated in accordance with applicable abandoned property laws. You may also activate your account by contacting OAS FCU and informing us that you wish to remain using your account.

OAS FCU may waive certain fees if you maintain three or more qualifying services, which may include online banking, electronic statements, bill pay, payroll deductions, or automatic transfers. Qualifying services are determined by the Credit Union and subject to change.

Foreign checks are processed through correspondent banks. Any fees charged by the paying or correspondent bank are passed through to you, and may vary based on the check and country of origin.

Fees apply only to OAS FCU–originated portfolio real estate loans. Fees related to loans referred to third parties, including CUMA, are not charged or retained by OAS FCU. Fees are subject to applicable law and the terms of the applicable loan agreement.

We will assess a late fee only if a payment remains unpaid after the applicable grace period stated in the loan agreement. Late fees are calculated based on the amount due and are subject to applicable law and the terms of your loan agreement.

The Streamline Modification fee applies only to approved streamline refinance transactions and is not associated with hardship-based loan modifications, workout arrangements, or loss-mitigation programs. Any applicable fee is disclosed in advance and agreed to in writing as part of the refinance terms.

Vehicle title processing fees include a Credit Union processing fee plus actual DMV fees, which may vary by jurisdiction.

Late payment fees may apply to consumer loans in accordance with the terms of the applicable loan agreement. Any late fee, including the amount and timing of assessment, is governed by the specific loan contract.

Guaranteed Asset Protection (GAP) Insurance is available in connection with eligible auto loans and is provided through a third-party vendor. GAP is not required for standard vehicle financing; however, it may be required as a loan condition for certain higher loan-to-value (LTV) requests, depending on loan structure and credit tier. GAP coverage, terms, eligibility, cancellation rights, and any applicable refunds are governed by the GAP agreement provided at loan origination.

Skip-a-Payment is available for eligible consumer loans only and is subject to program requirements, limits, and approval. Interest continues to accrue during the skipped payment period in accordance with the loan agreement. Program details and eligibility criteria are governed by the Credit Union’s Skip-a-Payment procedures.