We have a different view on fees than our counterparts. We don't like 'em, so why should you?
At GOLD, we charge fees when we do extra things for you. For example, if we have to complete a lengthy real estate subordination, we'll probably charge you for the effort. What we won't charge are monthly fees, fees for using your debit card too much or too little, or fees because it's a Tuesday and we feel like it.
Fee Schedule
Effective Date: February 15, 2019
The following fees and transaction limitations may be assessed against your account, if applicable.
| GOLD Checking and GOLD Share Savings |
Fee |
| Non-Sufficient Funds (NSF) or Unavailable Funds |
$29.00 |
| Transfer to Cover NSF (Manual transfer by Credit Union employee) |
$29.00 |
| Return Check Item |
$15.00 |
| Account Statements, Transaction History, and Check Copies |
Each $2.00 |
| Account Statements, Transaction History, and Check Copies - Through GOLD Online Banking |
Free |
| Certified Check |
$2.00 |
| Non-Member Check Cashing |
$5.00 |
| Official Check Stop Payment (Affidavit required) |
$25.00 |
| Stop Payment (Per individual ACH or Check or sequential group of ACH transactions or checks) |
$15.00 |
| GOLD Credit Card and GOLD Debit Card |
Fee |
| PIN Based Transactions |
Free |
| Signature Based Transactions |
Free |
| Card Replacement |
$10.00 |
| Foreign Transaction Fee (International card transactions only) |
Up to 1% of Transaction |
| Express Card Replacement |
$50.00 |
| Miscellaneous |
Fee |
| Account Research and Balancing ($25/hr with a minimum charge of ½ hour) |
$25.00 |
| Negative Account Balance (Charged on third day of negative balance) |
$20.00 |
| Third Party Official Check (Per check fee) |
$5.00 |
| Bad Address (Charged when there is no known address) |
$5.00 |
| Bad Address (Charged the last day of each month until a valid address is provided) |
$5.00 |
| Backup Withholding |
$25.00 |
| Writs, IRS Levies, Domestic Relation Orders & other legal requests |
$100.00(1) |
| Foreign Check Fee |
$20.00 |
| Dormant Account - No activity within 24 months (per month) |
$2.00 |
| Loans |
Fee |
| Returned Loan Payment |
$29.00 |
| Mortgage Subordination |
$100.00 |
| Mortgage Rate and/or Term Amendment |
1% or $1,000.00(2) |
| Mortgage Recording and Satisfaction |
Varies by County |
| Duplicate Auto Titles |
Varies by State |
| Missing Auto Title (If not received within 60 Days of the loan date - per month) |
$10.00 |
Other fees as disclosed on signed Notes and Disclosure statements
(1) Plus Attorney Fees.
(2) 1% of Loan Balance or $1,000.00 minimum whichever is greater.
View PDF version of the GOLD Credit Union Fee Schedule.