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Our fees

Online & Mobile Fees

Online banking No charge
Mobile banking No charge
Online bill payNo charge
eStatements No charge
To an external accountNo charge
CardNavNo charge

Credit Card Fees

Credit card re-issue No charge (5)
Dormant credit card PIN reactivation $15
Credit card/PIN replacement $15
Credit card temporary limit increase $15
card applicationNo charge
Credit card balance transferNo charge
Credit card cash advanceNo charge
Credit card late payment $25
Credit card expedited payment$15
Credit card management (oasfcu.mycardinfo.com)No charge

Share & Checking Account Fees

Transfer from secondary account to cover overdraft $5 each transfer
Overdraft caused by share draft/ACH (1)$25 each
Extended overdraft$5 per day after first 5 business days
Returned check/ACH due to non suficient funds (1) $25 each
Cashier check$5 each - No charge if member has 3+ services
Cashier check copy $2.50
Copy of cashed check$ 5 – No charge online
Stop payment - Check/ACH $10 each
Checks sent for collections Cost charged by paying bank(s)
Dormant account (2)$5 per month
Remote check deposit return due to missing/incomplete information$5
Returned outside/third party deposited check$10
Check-book cost $12.27 for 40 checks - $19.49 for 80 checks (3)
Check-book reorder$19.49 for 80 checks (4)
Debit card re-issue No charge (5)
Dormant debit card PIN reactivation $15
Debit card/PIN replacement $15
International debit card transaction 1.5% total amount debited (ATM or purchases*)
Statement copy/ transaction history$1 each statement page
Account research $25 per hour
Balance verification/letters of reference$5 - No charge if member has three services or more
Account verification requested by creditors$15 each

(1)ACH (Automated Clearing House), and NSF (Non-sufficient Funds).
(2)After 12 months of account inactivity if balances less than $500.
(3) First order of 40 free.
(4) One re-order of 80 free per year if active direct deposit for past 6 months.
(5) Mailing costs may apply.
(*) This applies to cash advances, in-person transactions and purchases from online merchants located outside the United States.

Money Transfer Fees

Within accounts or to a credit union memberNo charge if requested using the Online Banking -
Transfers via ACH
To a person within the U.S. $5 if requested using the Online Banking - $10 if requested by DocuSign or email
To a business within the U.S. $10 if requested using the Online Banking - $15 if requested by DocuSign or email
To a person outside the U.S. $10 if requested using the Online Banking - $15 if requested by DocuSign or email
To a business outside the U.S.$15 if requested using the Online Banking - $20 if requested by DocuSign or email
International ACH trace $25 per item
Research of an ACH transaction                    $25
Recurrent monthly debit origination for deposits$5 to set up recurrent plus $2 per month
Same day ACH$7
Wire Transfers
To a person or business within the U.S. via Wire$15 if requested using the Online Banking - $25 if requested by DocuSign, email or fax
To a person or business outside the U.S.$35 if requested using the Online Banking - $45 if requested by DocuSign, email or fax  
Incoming wireNo charge
Wire confirmation$5
Wire recall /Wires with errors$15 each + cost charged by other bank
Research for Wire transaction                    $25 each

Loan Fees

Processing vehicle titles $50 + DMV cost
Skip-a-Payment$5 each loan
Single debit origination to pay for a loanNo charge
Recurrent monthly debit origination to pay for loanNo charge
Late fee for consumer loans4% of the monthly payment after 30 days past due
Late fee for HELOCs 4% of the monthly payment after 10 days past due
Late fee for mortgages5% of the monthly payment after 15 days past due