Checking Fees

Account maintenance - Consumer Checking

The following fees will not be assessed if the indicated minimum balance or other account conditions are met.
Convenience Checking:

- If direct deposit is discontinued

 $5.00 per month
Investor Checking:

- If daily balance falls below $1,000.00 during the calendar month

 $5.00 per month
Relationship Checking:

- If daily share or loan balance falls below $500.00 during the calendar month

- Minimum daily balance requirement to avoid fee is waived if member is between 16-25 years of age.

 $5.00 per month

Account maintenance - Business Checking

The following fees will not be assessed if the indicated minimum balance or other account conditions are met.
Business Checking:

- If daily balance falls below $1,000.00 during the calendar month

- Minimum daily balance fee is waived for noprofit organizations and associations

 $5.00 per month

Activity

Business Checking:

- Per item fee for total checks deposited to any share account and/or paid
from Business Checking: 

    First 100 per calendar month 

    101 to 500 per calendar month 

    501 and greater per calendar month 

 
 
 
no charge
$0.10 per item over 100
$0.08 per item over 500
Activity fee charged to an open Savings or Money Market Account if Business Checking Account is not open at calendar month end.

Checking account services

Check order:

- Check printing fee depends on style of check ordered

- Order checks & accessories - A larger range of check designs is available when you order through online account access

varies per order
Overdraft protection transfer fee*:

- From a savings or a money market share

- From a Credit Line in excess of three (3) per calendar month

$5.00 per transfer
Negative balance transfer fee:

- Credit union initiated transfer to resolve a negative share

$5.00 per transfer
Stop payment fee: no charge

* Any overdraft transfer amount that is $5.00 or less will not incur an overdraft fee.

Special handling

Check copy: no charge
NSF:

- Check or other debit returned unpaid for lack of sufficient funds, check or other debit presented and paid as a courtesy against insufficient funds, or debit card transaction authorized and paid against insufficient funds pursuant to the credit union's overdraft services agreement

 $25.00 per presentment
Courtesy Pay/Overdraft (OD) Service:

- Check or other debit presented and paid against insufficient funds (fee based on amount of overdraft)

$0.00 - $5.00 ......... no charge
$5.01 - $10.00 ................. $5.00
$10.01 - $15.00 ............... $10.00
$15.01 - $20.00 ............... $15.00
$20.01 - $25.00 ............... $20.00
$25.01 or more ............... $25.00
NSF Mortgage Payment:

- Additional Cenlar charge

 $25.00 per item
Returned item fee:

- Returned deposited item

- Member-negotiated, unpaid item through shared branch transaction 

 
  $ 5.00 per item
  $20.00 per item

 

Bill Pay

Bill Pay/Send Money

Unlimited bills paid per calendar month

 
 no charge
Bill Pay Business Edition $5.95 unlimited items
Expedited Payments

(Overnight Checks)

$ 22.50
Late Charge

(interest on amounts not reimbursed to service provider within 15 days)

1.5% monthly
Returned Items as charged
Third-Party Fee as charged

Remote Deposit

Remote Business Deposit Capture Fee:  $35

Positive Pay

Positive Pay Service Fee per calendar month:  $75.00
Positive Pay Item Fee:  $0.13 per item
Positive Pay Exception Item Fee:  $1.00 per item
Positive Pay Return Item Fee:  $20.00 per item

Online Account Access for Business

ACH maintenance:  $25.00 each month ACH is used
ACH returned item: $5.00 per item
ACH transaction:

- First 100 per calendar month 

- Over 100 per calendar month 

 
no charge
$0.05 per item over 100
Domestic bank wire: $10.00 per wire