Checking Fees
Account maintenance - Consumer Checking
| 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 13-25 years of age. |
$5.00 per month |
Account maintenance - Business Checking
| Business Checking:
- If daily balance falls below $1,000.00 during the calendar month - Minimum daily balance fee is waived for nonprofit organizations and associations |
$5.00 per month |
Activity
| Business Checking:
- Per item fee for total checks deposited to any share account and/or paid 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 |
