Savings/Checking Fees – Effective September 1, 2018

To open account

No charge
Minimum Balance Fee
(Balance in Share Savings drops below
$5 at any point during the month)
$5/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.)
$5/month
Overdraft Protection Transfer to cover
item in Checking/Share Draft
$1/item
Inactive Account Fee (No activity for
at least 12 months)
$1/month

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 withdrawls (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)
$10/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.)
$10/transfer

Service Fees

Statement Delivery Fee
$3/delivery
Account Reconciliation$15/hour
Account Research$25/hour
Items sent for Collection$25/item
Foreign Item Collection Fee$10/item
Wire Transfer Domestic$10 (Outgoing)

$10 (Incoming)
Wire Transfer International$35 (Outgoing)

$10 (Incoming)
Paid Items (cancelled check, paid official checks)$3/copy
Statement Copies$1/page
Statement returned (bad address)$2.00
Money Order Fee$1/order
Official Check Fee$3/check
Check Cashing (on us) Fee - Non Member$5
Cash Advance Fee - Non Member$5

EFT Services

CU TalkFree
Online Banking with Bill PayFree
Account to Account (A2A) Transfer Fee (Incoming & Outgoing)Free
ATM Insufficient Withdrawal$30 each
Non CU24 CUHERE ATM use$1/transaction or inquiry
Replacement ATM/Debit Card$5/card
ACH Insufficient Withdrawal
$30/item

Share Value

Par Value of one share
(minimum 5 shares required)
$5

Lending/Credit Card Fees:

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

$25.00
Loan Return Payment Fee$10/item
Credit Card Late Fee
(assessed after 9 days from due date)

$25.00
Credit Card Replacement Fee
$5.00
Credit Card Return Payment Fee$25/item
Credit Card Document Fee
(sales draft statement)
$5/copy

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)
$25.00