top of page

Fees Schedule

Effective January 1, 2026

Member Account Miscellaneous Fees

  • Share Account Early Closure: $20.00 if closed within 30 days of  account opening 

  • SmartCheck Early Closure: $25.00 if closed within 90 days of  account opening

  • Holiday Club Early Withdrawal or Closure: $25.00 for withdrawals or closure prior to November 1st 

  • Money Market Excessive Transfer Fee: $5.00 for each transfer after 6 per month

  • Verification of Account or Loan: $1.00 

  • Statement  Hold (Per month): 

    • $5.00 - Consumer

    • $15.00 - Business

  • NSF (Non-Sufficient Funds Fee) Per Item - Checks:
    Per item, $75.00 max per day

    • $25 - Consumer 

    • $50 - Business

  • Overdraft Transfer Protection: $7.00 per item 

  • Check Orders and Counter-Temporary Checks:
    Per sheet (4 checks) - Check  orders  vary  depending  on  style  and  Counter-Temporary Checks

    • $1.50 -Consumer                

    • $5.00 - Business

  • Check  Writing Fee - Consumer Basic Smart Check: $0.50 per check after 5


College Accounts Miscellaneous Fees

  • Early Closure - College SmartCheck: $25.00 if closed within 90 days of  opening

  • NSF (Non-Sufficient Funds Fee) per Item - Checks: $15.00, Deposited, $45.00 max per day

  • Deposited Return Items: $10.00 return Item Fee

  • CollegeClub Early Withdrawal: $15.00 for withdrawals, other than account closure

  • CollegeClub (Share) Early Closure: $25.00 if closed any time other than maturity dates of  January  1st  and August 1st each year

​​

Access Cards and Services

  • VISA ATM/Debit Cards: FREE. Up to 2 free cards per account

  • VISA ATM/Debit Cards: $10.00 per card thereafter

  • VISA ATM/Debit Cards: $10.00 replacement fee

  • VISA Debit Card -College SmartCheck: FREE 1st card 

  • VISA Debit Card -College SmartCheck: $7.00 Replacement fee

  • Online and Telephone Banking: FREE 

​

Wire Transfer

  • Incoming Wire Transfer Fee:

    • $10.00 - Domestic

    • $15.00 - Foreign 

  • Outgoing Domestic Wire Transfer Fee:
    10% - Discount  With Consumer Smart Check  Plus Account
    25% - Discount  With Consumer Smart Check  Prime Account

    • Range:  =<$10,000: $50.00

    • Range: $10,001 - $50,000: $60.00

    • Range:  $50,001 - $100,000: $70.00

    • Range:  >$100,000: $80.00
       

  • Outgoing Foreign Wire Transfer (U.S. Currency) Fee:
    ​10% - Discount  With Consumer Smart Check  Plus Account
    25% - Discount  With Consumer Smart Check  Prime Account

    • Range:  =<$10,000: $75.00

    • Range: $10,001 - $50,000: $100.00

    • Range:  $50,001 - $100,000: $125.00

    • Range:  >$100,000: $150.00

  • WT Reprocessing: Cost of initial wire 

  • Wire Research: $25.00/hour 


Business Account Miscellaneous Fees

  • Business Account Early Closure: $50.00 if closed within 90 days of  opening

  • Overdraft Transfer: $10.00 per item for Business BASIC (Free for  ADVANTAGE & PRIME accounts) 

  • Non-Sufficient Funds per item for Checks: $50.00 per item, $150.00 max per day

  • Business  Check  Orders  and  Counter-Temporary  Checks:

    • Check  orders  vary  depending  on  style

    • $5.00Per sheet (4 checks) - Counter-Temporary Checks

  • Business Statement Hold: $15.00Per statement

  • Business Verification of  Account or Loan: $5.00 


Negotiable Instruments

  • Money Orders: $1.00 per item

  • Cashier's Check: $5.00 per check


General Miscellaneous Fees

  • Deposited Return Items: $15.00 

  • ACH Reprocessing  Request: $15.00 per item

  • Same-Day ACH: $20.00 per item

  • One-Time ACH: $15.00 per item

  • Dormant Account Fee:

    • 1-5 years - 10.00

    • 5-8 years - 50.00

    • 8+ years - 100.00Monthly

  • Stop Payments: $7.00 for a Single Item (or Sequential range of  items under a single request) 

  • Cashier's Check  Stop Payments: $20.00 per item

  • Draft (Check) Copy Fee: $1.50 if after six months of issuance

  • Account Inquiry Fee: $1.00 per inquiry

  • Paper Statement Fee:

    • $5.00 - Consumer

    • $15.00 - Business 

  • Statement Copy:
    Per statement  period

    • $5.00 - Consumer

    • $15.00 - Business

  • Account Reconciliation/Research: $25.00 per hour

  • Notary Services - Members: FREE 

  • Notary Services (Non-Member):

    • $15.00 for 1st 2 signatures

    •  $10.00 per signature thereafter 

  • Levy or Garnishment  Processing Fee: $25.00 per account

  • Photo Copy Fee: $0.50 per copy


Various Discounts Available

  • Based on specific account types: Various discounts on fees may apply

​

Share Certificate Early Withdrawal Penalty

  • An early withdrawal  penalty of  Thirty (30) or Ninety (90) days dividends for  certificates  less  than 12  months and 12  months  or greater,  respectively, will apply if  you choose to  withdraw any portion of the principal.

​

COMMON FEATURES


Bylaw Requirements. You must complete payment of one share in a Savings (Share) account as a condition of admission to membership.


Par Value of Shares. The par value of a share in the credit union is $20.00.


Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Not applicable to term share or share certificate accounts.


National Credit Union Share Insurance Fund. Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

bottom of page