Fees as of 3/01/2025

Share Account Fees

Minimum Share Account Open Balance	$25.00
Christmas Club Account Early Withdrawal Fee	$10.00 per Withdrawal
Closed Regular Savings Account Fee	$5.00
Dormant Account Fee (under $50)	$10.00 per month after 12 months of inactivity, Upon reaching 3 years the account is escheated
Early Account Closing Fee	$25 / 90 days of opening

Checking Account Fees

Closed Checking Account Fee	$10.00
Early Account Closing Fee	$25 / 90 days of opening
Minimum Opening Balance Checking	$25.00
Minimum Opening Balance Premier Checking	$2,500.00
Balancing Checkbook	$20.00 per occurrence
Check Cashing	$5.00 If account is below $100.00 during that visit
Check Copy Fee	$5 per copy / $7 per copy (Mailed)
Bill Pay Fee per transaction (if no eStatements)	$1.00
Cashier's Check (to replace member's check)	$5.00
Courtesy Pay Fee	$32.00  per presentment
Dormant Account Fee (under $50)	$10.00 per month after 12 months of inactivity, Upon reaching 3 years the account is escheated
Reopen Closed Checking Account (Second Chance)	$25.00

Debit Card & ATM Fees

Courtesy Pay Fee	$32.00  per presentment
Replacement Cards	$10.00
ATM Empty Envelope Fee	$25.00
ATM Deposit Offage Fee	$5.00
ATM Surcharge Fee	$3.50
Nonproprietary ATM Withdrawal Fee	$2.00 After 8 withdrawals in any month (Transactions on our machines do not count  towards the 8)
Foreign Transactions Fee	1.00%

Credit Card Fees

Replacement Card	$10.00
Late Payment	$25.00
Returned Payment Fee	$30.00 or amount of the item, whichever is less
Statement Copy	$6.00/$7.00 (mailed)
Foreign Transactions Fee	1.00%

Business Member ACH Service Fees

One-Time Setup Fee	$150.00
Monthly Fee per SEG (includes MFA fee)	$36.50
Monthly Multifactor Authenticator (MFA) Fee per SEG	Included in monthly fee
Same Day ACH Origination Transaction per Item	$0.00
Same Day ACH Origination Transaction per File	$20.00
NACHA Charge	$0.00

Other Service Fees (applicable to all accounts)

Account History Fee (per page)	$2.00/$3.00 (mailed)
ACH On Demand Fee	$10.00
Stop Payment Fee	$30.00 Single or Series
NSF Fee	$32.00 per presentment
Transfer Fee	$5.00 per occurrence
Deposit Item Return Fee	$30.00 or amount of the item, whichever is less
Cashier's Checks	$5.00 each
Coin Counting	This service is free for our members
Fax	$3.00
Garnishment / Tax Levy	$50.00
Mailed Paper Statement	$5.00, waived with active credit card
Mailed Item Fee	$3.00
Overnight Fee	$45.00
IRA Premature Withdrawals	$10.00
IRA Account Closure Fee	$25.00
IRA Transfer Out Fee	$25.00
HSA Transfer Out Fee	$25.00
HSA Account Closure Fee	$25.00
Money Order Fee	$3.00
Stale Date Cashier's Check or Money Order	$10.00
Non-Member Check Cashing Charge	$5.00
Research, with or without a subpoena	$25.00 per hour plus cost of check copies
Incorrect Address Fee	$5.00 per month
Returned Mail Fee	$5.00 per piece
Statement Copy Fee	$6.00/$7.00 (mailed)
Outgoing Wire Transfer - Domestic	$30.00
Incoming Wire Transfer - Domestic	$10.00
Outgoing Wire Transfer - International	$60.00
Incoming Wire Transfer - International	$10.00
Wire Recall Request	$10.00
Wire Service Message	$10.00
Processing International Items (Canadian)	$25.00
Processing International Items (Non-Canadian)	$35.00
Late Loan Payment	$25.00
Temporary Check Fee	$2.00 per Sheet of 4 checks
Verification of Deposit (non-government)	$5.00
RISE fee per transaction	$2.95
Escheatment Fee	$50.00
Skip-a-Pay	$35.00
Collection Fee (If closed and sent to Collections)	$25.00

The rates and fees appearing on this schedule are accurate and effective for deposit accounts as of the last Dividend Declaration Date indicated on this schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.