FORMS & DISCLOSURES

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Transparent pricing. No surprises.

At RVA Financial, we believe in transparency when it comes to fees. Our fee schedule outlines the costs associated with certain banking services and account activities, so you can make informed decisions and avoid surprises.

Important Forms & Disclosures

For your convenience and reference, the following forms, agreements, and disclosures are provided to help you understand your membership, accounts, loans, and services with the credit union. These documents outline important information regarding fees, privacy practices, electronic transactions, credit card terms, loan payoff authorizations, funds availability, and regulatory notices. We encourage you to review these materials carefully, as they are designed to ensure transparency, protect your financial information, and help you make informed financial decisions. If you have any questions or need assistance, our team is always happy to help.

Review and download forms below.

Checking & Savings Accounts

Fees may apply for services such as:

  • Monthly maintenance (may be waived with qualifying activity)

  • Paper statement delivery

  • Excess transaction activity

  • Account closure within a specified time period

Card & Transaction Fees

These may include:

  • Debit or ATM card replacement

  • Foreign transaction fees

  • Non-sufficient funds (NSF) fees

  • Overdraft-related fees (if applicable)

ATM & Access Fees

  • Out-of-network ATM usage

  • International ATM withdrawals

  • Balance inquiries at non-network ATMs

Service & Convenience Fees

  • Stop payment requests

  • Wire transfers (domestic or international)

  • Cashier’s checks or official checks

  • Account research or copy requests

Loan-Related Fees

Depending on the loan type, fees may include:

  • Late payment fees

  • Returned payment fees

  • Loan payoff statement fees

  • Mortgage or real estate processing fees

How to Avoid or Reduce Fees

You may be able to minimize or avoid certain fees by:

  • Maintaining minimum balance requirements

  • Enrolling in eStatements

  • Using in-network ATMs

  • Setting up direct deposit or automatic payments

Our team is happy to help you choose accounts that best fit your needs.

Forms & Disclosures

View Our Forms