Please contact Dowagiac Area Federal Credit Union directly for copies of the following disclosures:

     Truth-in-Savings, Electronic Funds Transfer Agreement and Loan Liner Credit Agreement

Fee Schedule
Effective Date: Friday, May 29th, 2020
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
Non-sufficient Funds Fee (NSF) Share draft/ACH/ATM/Debit Card $25.00
Stop Payment (per item) Share draft/ACH $25.00

Courtesy Pay Fee


Account Reconciliation Fee Per hour charge


Draft Copy fees - Per draft

Statement Copy - Per month $3.00

Monthly Service Charge
Share Account Balances < $50** $5.00
Share Draft < $50** $5.00
Business Share Draft *plus $.05 per deposited check $10.00

Overdraft Transfer Fees
up to 6 transfers per mo $3.00 per transfer

Wire Transfer Fees
Domestic $20.00
Incoming Wires $15.00

Returned Item Fee
Member deposited item
Drawn on another institution
Check Cashing Fee
Average balance <$50
No other services with DAFCU
Non-member cashing M/O or Corp Draft                             $8.00
$5.00 per transaction
Account Closing Fee
Member closes account
Within 90 days of opening
Phone Inquiry/Transfer Fee**
If member calls DAFCU staff
Tax Levy/Garnishment Fee $25.00
Money Orders $2.00
**excludes members under 18 and 62 & over

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act