Fee Schedule
Savings/Checking Fees – Effective August 2022
| Savings/Checking Fee Type | Charge |
|---|---|
| To open account | No charge |
| Minimum Balance Fee (Balance in Share Savings drops below $5 at any point during the month) | $5/month |
| Checking Account 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 | $8/month |
| Overdraft Protection Transfer to cover item in Checking/Share Draft | $1/item |
| Inactive Account Fee (No in-person or PIN [debit card] transaction/activity for at least 12 months) | $5/month Balance Less than $1000 |
| Overdraft – Insufficient Funds Fee (NSF) | $20/per item |
| Returned Item Fee | $20/per item |
| Stop Payment Fee | $25/request |
| Courtesy Pay (Transactions above $30) | $30/item |
| Checkbooks | Prices based on style |
| Uncollected Funds | $10/item if paid |
| Christmas Club Account withdrawals (if prior to November 1st or after December 31st) | $5/withdrawal |
| Money Market Account Minimum balance Fee (If Balance drops below $2000 at any point during the month) | $10/month |
| Excessive Transfer Fee The credit union limits the number of automatic transfers, from an interest-bearing account to any other account, to 6 transfers per month. The categories of transactions for which an Excessive Withdrawal Fee may be imposed are: CUTalk transfers, online transfers, overdraft protection transfers, transfers done over the phone with a member service representative, and ACH withdrawals. | $10/transfer |
Service Fees
| Service Fee Type | Charge |
|---|---|
| Statement Delivery Fee | $5/delivery |
| Account Research | $25/hour |
| Foreign Item Collection Fee | $25/item |
| Gift Cards | $4/each |
| Wire Transfer - Domestic Incoming | $10 |
| Wire Transfer - Domestic Outgoing | $20 |
| Wire Transfer International Incoming | $20/each |
| Wire Transfer International Outgoing | $45/each |
| Paid Items (cancelled check, paid official checks) | $3/copy |
| Statement Copies | $3/copy |
| Statement returned (bad address) | $5/return |
| Money Order Fee | $1/each |
| Official Check Fee | $3/each |
| Money Order Stop Payment Fee | $25/each |
| Official Check Stop Payment Fee | $25/each |
| Check Cashing Fee (On Us) – Non Member | $5/each |
| Verification of Deposit | $10/each |
| Escheatment Fee | $50/reporting |
| Subpoena (research for court) | $20/hour |
EFT Services
| EFT Service Fee Type | Charge |
|---|---|
| CU Talk (Telephone Banking) | Free |
| Online Banking with Bill Pay | Free |
| Account to Account (A2A) Transfer Fee (Incoming & Outgoing) | Free |
| ATM Insufficient Withdrawal | $20 per transaction |
| Out of Network (Non CU24 CU Here) ATM Use Fee | $1/transaction or inquiry |
| Replacement Debit Card – Temp or Perm Card* | $5/card |
| ACH Insufficient Funds Transaction (Payment/Debit)l | $20/item |
Share Value
| Par Value of one share (minimum 5 shares required) | $5 |
Lending/Credit Card Fees
| Lending/Credit Card Fee Type | Charge |
|---|---|
| Consumer Loan Late Fee | $25 per late payment |
| Loan Return Payment Fee | $10/item |
| Credit Card Late Fee | $25 per late payment |
| Credit Card Replacement Fee* | $5.00 |
| Credit Card Return Payment Fee | $25/item |
| Credit Card Statement Fee | $5/copy |
Mortgage Fees
| Mortgage Late Fee payment | 5% of overdue payment |
|---|---|
| HELOC Late Fee | $25.00 per late payment |
*Fee waived on compromised cards and 1st time replacements.