Downstream-header.jpg
Share Account Service Charges
Money Market Minimum Balance $5 per month if minimum balance not maintained
Monthly Inactivity $10 per month if share account has no activity in a 1-year period with a balance under $300 and no other Credit Union services (excluding minor accounts under the age of 18)
Early Account Closure (6 months or less after opening) $10.00
Checking Account Service Charges
Overdraft* $35 per item
*This fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means
Return Item $35 per item (Max $175 per day)
Stop Payment $35.00/Item (over the counter or by phone)
$25.00/check (self-initiated online – drafts only)
Overdraft Transfer (courtesy transfer from savings to checking) FREE
Bill Pay FREE
E-Z Checking Charge $4.95 if standard features are not chosen. Standard Features: Check Card, Access*Online, E Statements
Check Printing Prices may vary depending on style.
Debit Card Inactivity Fee $10.00 annually after 12 mos.
Copy of Check $5 per check
Electronic Funds Transfer Service Charges
Nonproprietary ATM Withdrawal/Transfer $1/after the first 5 free **
**5 Nonproprietary ATM Withdrawals per Month Without a Charge
Return Item $35 per ATM or ACH Item
Replacement Card $15 per card
Share Value
Par Value of One Share $10
Other Service Charges
Account Reconciliation $30 per hour, one hour minimum
Account Research $30 per hour plus retrieval fees, one hour minimum
Coin Currency Order Fee $0.10/Coin roll
$0.25/Currency strap
Statement Copy $5 per copy
Deposited Item Return $4 per item
Fax/Photocopy Service $1 per page
Incorrect Address/Return Mail $10 per month
Wire Transfer:
$10 per incoming
$30 per outgoing
$50 per foreign outgoing
Western Union Wire Transfer:
$30.00 per Outgoing
$50.00 per Foreign Outgoing
VISA Gift Cards $3.50 per card
VISA Re-loadable Card $3.50 per card
$4.50 per personalized card
Telephone Transfer $2.00 per transfer (Free on Access*Online or Heartline)
Replacement: Lien Release
   Mortgage Satisfaction
$15 per release
$25 per satisfaction
Money Order $3 per money order
Cashiers Checks $5 per check
History Printout $2 per page
Verification of Deposit $10
Check Cashing $5 per check (Applies to all Non-members as well as members with no additional services and no matching funds)
Levy/Garnishments $35
Skip a Payment $35 each or 3 for $99
Mortgage Subordination $200
Loan Extension Agreement $50 per extension
Loan Rate Step Down Fee $50 per loan (one time per term of loan)
Loan Coupon Book $10
Unperfected Title Fee $35.00 per month

For a printable version of our Service Charge Schedule click here.