Online & Mobile Fees
| Online banking | No charge |
| Mobile banking | No charge |
| Online bill pay | No charge |
| eStatements | No charge |
| To an external account | No charge |
| CardNav | No 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 application | No charge |
| Credit card balance transfer | No charge |
| Credit card cash advance | No 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 member | No 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 wire | No 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 loan | No charge |
| Recurrent monthly debit origination to pay for loan | No charge |
| Late fee for consumer loans | 4% 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 mortgages | 5% of the monthly payment after 15 days past due |