Fee Schedule

Savings/Checking Fees – Effective September 1, 2018

To open accountNo charge

Minimum Balance Fee
(Balance in Share Savings drops below
$5 at any point during the month)
Checking Maintenance Fee
(The maintenance fee is waived if any one of these apply to you:
- Direct deposit a minimum of $500 per month to your checking account.
- At least 5 Point of Sale (POS) debit card transactions per month, e.g. debit card purchases.
- At least 1 loan per household, e.g. holiday loan.
- At least 1 credit card per household.
- At least $5,000 aggregate average balance per household, for e.g. savings $500, checking $500, Christmas club $2,000, Money Market $1,500 & Certificate of Deposit $500.)
Overdraft Protection Transfer to cover
item in Checking/Share Draft

Inactive Account Fee (No activity for
at least 12 months)
Balance Less than $1000
Account Closure Fee (If closed voluntarily)$5/first 30 days
Overdraft Fee (NSF)
$30/per item
Returned Item Fee$10/per item
Stop Payment Fee$15/request
Courtesy Pay$30/item
CheckbooksPrices based on style
Uncollected Funds$10/item if paid

Christmas Club Account withdrawals (if prior to November 1st or after December 31st)$5/withdrawal

Minimum balance Fee - Money Market
(Balance in Money Market drops below $2000
at any point during the month)

Regulation D Fee
(Federal law limits the number of automatic transfers from an interest bearing account to a checking account to 6 transfers a month. The categories of transactions for which a Regulation D Fee may be imposed are: CuTalk transfers and withdrawals, online transfers, overdraft protection transfers, transfers done over the phone with a member service representative, and ACH withdrawals.)

Service Fees

Statement Delivery Fee
Account Reconciliation
Account Research
Items sent for Collection
Foreign Item Collection Fee
Wire Transfer Domestic (Incoming & Outgoing)
Wire Transfer International$35 (Outgoing)
$10 (Incoming)
Paid Items (cancelled check, paid official checks)
Paid Items (cancelled check, paid official checks)
Statement Copies
Statement returned (bad address)
Money Order Fee
Official Check Fee
Check Cashing (on us) Fee - Non Member
Cash Advance Fee - Non Member

EFT Services

CU Talk

Online Banking with Bill Pay


Account to Account (A2A) Transfer Fee (Incoming & Outgoing) Free

ATM Insufficient Withdrawal

$30 each


$1/transaction or inquiry

Replacement ATM/Debit Card


ACH Insufficient Withdrawal


Share Value

Par Value of one share
(minimum 5 shares required)

Lending/Credit Card Fees

Consumer Loan Late Fee
(assessed after 9 days from due date)

Loan Return Payment Fee


Credit Card Late Fee
(assessed after 9 days from due date)

Credit Card Replacement Fee


Credit Card Return Payment Fee


Credit Card Document Fee
(sales draft statement)

Mortgage Fees

Mortgage Late Fee payment
(assessed after 15 days after due date)
5% of overdue payment

HELOC Late Fee

(assessed after 15 days after due date)