Personal Banking Fees
Personal Banking Fees
Effective April 11, 2019
Replaces Consumer Fees and Charges dated May 15, 2017
Service Fees
| TYPE | FEE |
|---|---|
| Activity Printout | Free |
| Cashier's Checks | 1 free per day, $5 for each additional, per member |
| Collection Item | $15 + outside costs |
| Debit Card Rush Fee | $25 |
| Deposit errors/returned items (at CO-OP Network ATMs) | $5 |
| Escheat Processing | No Charge |
| Insufficient Funds (NSF) | $27 Max 5 per day OD forgiveness = ($10) |
| Legal document processing | $50 |
| Loan audit/research | $40 |
| Loan modification | $40 |
| Loan Payment by Telephone | $10 |
| Loan skip payment (excludes Educator Skip-A-Pay) | $40 |
| Research (all requests) | $20/hr. |
| Lost card replacement | $5 |
| Medallion stamp (per signature) | $15 |
| Notary | Free |
| NSF for Auto Transfer of Loan Payment | $27 |
| Paper copy of bill payment (Digital Banking) | $2 |
| PIN-Based ATM/Debit Card Usage | Fee Free at CCU and CO-OP Network ATMs $1.50 + ATM owner surcharge at other ATMs |
| Re-deposited Item | No charge |
| Returned Deposited Item | $20 |
| Social Security Number Error | No charge |
| Stop Payments | $20 in branch or Contact Center $10 online |
| Unavailable funds | $27 Max 5 per day ($10) OD forgiveness |
| Verification of Deposit | $10 |
| VISA Foreign ATM Transaction | 1% |
| Wire Transfer | $10 incoming $25 outgoing $35 international |
Account Fees
| TYPE | FEE |
|---|---|
echecking |
|
| Monthly Fee | $0 Requires eStatements |
| Inactivity Fee | $3 Charged when the member has no active accounts |
Educator Checking |
|
| Printed Statement Fee | $2 Free with eStatements, $400 Direct Deposit, or if under age 18 or age 65+ |
| Inactivity Fee | $3 Charged when the member has no active accounts |
Summer Savings |
|
| Overdraft Protection Transfer Fee | $4 |
| Excess Transaction Fee | $10 |
Educator Summer Savings |
|
| Overdraft Protection Transfer Fee | $4 |
| Excess Transaction Fee | $10 |
IRA |
|
| Transfer leaving CU | $20 |
| Annual Below Min Balance Fee | $10 |
Money Market Savings |
|
| Below Minimum Balance Fee | $5 Waived with $2,500+ minimum daily balance |
| Overdraft Protection Transfer Fee | $4 |
| Excess Transaction Fee | $10 |
Personal Checking |
|
| Printed Statement Fee | $2 Free with eStatements, $400 Direct Deposit or if under the age 18 or age 65+ |
| Inactivity Fee | $3 Charged when the member has no active accounts |
Share Savings |
|
| Below Minimum Balance Fee | $2.50 Waived with $100+ daily balance or $400 Direct Deposit to any account. |
| Overdraft Protection Transfer Fee | $4 |
| Excess Transaction Fee | $10 |
Student Checking |
|
| Monthly Fee | $0 |
Student Savings |
|
| Excess Transaction Fee | $10 |
Please refer to our Personal Account Agreement & Disclosure for full details on all consumer products and services, truth in saving disclosure, and early withdrawal penalties that may apply to certificates. Terms and conditions subject to change. All fees are per occurrence unless otherwise states.
