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Miscellaneous Fees and Charges

As of September 1, 2024​

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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: $1.00 per month

  • NSF (Non-Sufficient Funds Fee) Per Item - Checks or ACH (includes all re-presentments) : $25.00

  • Overdraft Transfer Protection : $7.00 per item

  • Check Orders and Counter-Temporary Checks: Check orders vary depending on style and Counter-Temporary Checks -$1.50 per sheet (4 checks)

  • Check Writing Fee: $0.50 per check after 5 (Smartcheck Basic Only)

  • SmartCheck Classic Monthly Maintenance (No longer offered): $1.25 (applies to existing accounts only)


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 or ACH (includes all re-presentments) : $15.00

  • Deposited Return Item Fee: $10.00

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

  • CollegeClub Early Closure: $25.00 if closed anytime other than maturity dates of January 1st and August 1st each year

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Access Cards and Services

  • ATM (Automated Teller Machine) Cards: Up to 2 free with initial order - Replacements $7.00 each

  • VISA Check Cards: Up to 2 free cards per account; $3.00 per card thereafter; $10.00 replacement fee

  • VISA Check Card -College SmartCheck: 1st card free; $3.00 thereafter; discounted replacement fee

  • CommTEL & Online Banking (telephone and online banking services including mobile banking): Free

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Wire Transfer

  • Incoming Wire Transfer Fee: Free

  • Outgoing Domestic Wire Transfer : $25.00

  • Outgoing Domestic Wire Transfer 10% Discount With Smart Check Plus Account : $22.50

  • Outgoing Domestic Wire Transfer 25% Discount With Smart Check Prime Account: $18.75

  • Outgoing Foreign Wire Transfer (U.S. Currency): $45.00

  • Outgoing Foreign Wire Transfer (U.S. Currency) 10% Discount With Smart Check Plus Account: $40.50

  • Outgoing Foreign Wire Transfer (U.S. Currency) 25% Discount With Smart Check Prime Account: $33.75

  • WT Reprocessing (Amendment): $30.00 per item

  • Wire Tracer : $40.00 per item


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 or ACH (includes re-presentments): $50.00 per item

  • Business Check Orders and Counter-Temporary Checks : Check orders vary depending on style and Counter-Temporary

  • Checks - $5.00 per sheet (4 checks)

  • Business Statement Hold: $10.00 per statement

  • Business Verification of Account or Loan: $5.00


Business Access Cards and Services

  • ATM (Automated Teller Machine) Cards (SOLE PROPRIETORSHIP ONLY): Up to 2 free with initial order - Replacements $7.00 each

  • Business VISA Check Card (SOLE PROPRIETORSHIP ONLY): $10.00 per card after: first (2) two (BASIC); first (3) three (ADVANTAGE); first (5) five (PRIME)

  • CommTEL & CommuNete Access (telephone and online banking services): Free


Business Member Wire Transfer

  • Incoming Wire Transfers: Free

  • Outgoing Domestic Wire Transfers: $50.00

  • Outgoing Foreign Wire Transfers (U.S. Currency): $75.00

  • Business WT Reprocessing (Amendment): $30.00

  • Wire Tracers : $40.00


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

  • Dormant Account Fee : $10.00 per month after 18 months

  • 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)

  • Statement Copy: $5.00 per statement period

  • 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: .50 per copy


Various Discounts Available

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

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Share Certificate Early Withdrawal

  • Certificate Early Withdrawal Penalty: 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.

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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.

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