Disclosures
OTIS Federal Credit Union has the follow disclosures that are available for you to read online, save, or print.
- Truth in Savings
- Privacy
- Fees
- Early Withdrawal Certificates
- OTIS Online & Mobile Banking Disclosure, Disclaimer, and Agreement
While these are the most common disclosures, others are available upon request. Call, stop by, or email us at info@otisfcu.coop .
These disclosure are subject to change without notice.
Fees
| Effective Date February 1, 2016 | |
| ACH Fees | |
| Returned Item Fee (Unpaid) | $23.00 |
| OTIS Overdraft Privilege (Paid) | $20.00 |
| Stop Payment | $12.00 |
| Share Fees | |
| ATM Withdrawals at OTIS owned ATM’s | NO CHARGE |
| ATM Withdrawals All Other ATM’s | $ .75 |
| Share Draft Fees | |
| OTIS Debit Card Replacement Card | $10.00 |
| Counter Share Drafts 4 drafts per page | $1.00 |
| Returned Item Fee (Unpaid) | $23.00 |
| OTIS Overdraft Privilege (Paid) | $20.00 |
| Share Draft Printing | Price varies on style |
| Stop Payment | $15.00 |
| Share Draft Clearing Inquires | $1.00 |
| Share Draft Copies | $2.00 |
| HSA Fees | |
| These fees shall be deducted from other accounts in which the health savings account owner has an interest. | |
| Counter Share Drafts 4 drafts per page | $1.00 |
| HSA Debit Card Replacement Card | $10.00 |
| Returned Item Fee (Unpaid) | $23.00 |
| Share Draft Printing | Price varies on style |
| Stop Payment | $15.00 |
| Share Draft Clearing, ATM & POS Inquires | $1.00 |
| Share Draft Copies | $2.00 |
| In House Bill Payer Fees | |
| Initial Set up | NO CHARGE |
| Per Check Issued | $2.00 |
| Overdrawn Fee (Unpaid) | $23.00 |
| Modifications to Existing Bill payer | $5.00 |
| Online Bill Payment | |
| Unlimited Payments | NO CHARGE |
| Returned Item Fee (Unpaid) | $23.00 |
| OTIS Overdraft Privilege (Paid) | $20.00 |
| Miscellaneous Fees | |
| Account Research/Reconciliation (min. 1-HR) | $20.00 Per Hour |
| C.U. Checks | 3 FREE per day $1.25 |
| C.U. Check or Money Order Copies | $4.00 |
| C.U. Money Order Stop Payment | $15.00 |
| Faxes | |
| Outgoing in U.S. First Page | $2.00 |
| Incoming/Outgoing Additional Pages | $ .50 |
| Foreign Check Collection | $20.00 |
| Money Orders | $ .75 |
| Photocopies | $ .25 |
| Safe Deposit Box | $20.00 – $75.00 Per Year |
| Statement or History Copies | $1.00 Per Page |
| Western Union | |
| United States | $26.00 |
| International | $30.00 for $500. or less(plus 2% on amounts over $500.) |
| Wires Incoming | NO CHARGE |
| Wires Outgoing | |
| United States | $9.00 |
| International | $30.00 |
| ME,NH,VT-CU’s | $4.00 |
Links
 | This site allows you to request a free credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. |
 | Through our partnership with Equinox Financial & Insurance Services, you have access to more Insurance Companies, Better Rates and more Choice than almost any other person, anywhere in Maine! Instant Auto Quote! |
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 | An easy way to price US Savings Bonds! The new online Savings Bonds Calculator which prices Series EE, E, Savings Notes and I Bonds. |
