| 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 presentment |
| *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 | $8 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 | $5 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.