Fee Schedule Information
Effective as of December 19, 2022
All fees will have a transaction code of "SK" on statement followed by a description.
Easy Steps to Avoiding Fees and Save Some Money
- Use Fee-Free ATMS in the CO-OP Network for cash withdrawals.
- Pay your bills with our Online Bill Pay service which is included with our FREE online Virtual Branch and Mobile App.
- Keep track of your accounts and avoid overdrafts.
- Keep your account active and avoid receiving an inactive account fee. You need to have at least one transaction per year to keep your account active.
Savings, Checking & HSA Fees
| Overdraft/NSF check or uncollected funds |
$35.00 each time |
| ACH/NSF return of uncollected funds |
$35.00 each time |
| Overdraft transfer from shares |
$10.00 per item |
| Place stop payment |
$30.00 per item |
| Copy of paid draft (check) |
$10.00 per item |
| Copy of paid draft (check) online through Virtual Branch |
FREE |
| Reconciliation of account |
$20.00 first time |
| Reconciliation of account |
$35.00 second time and each time thereafter |
| Inactive account after 1 year excluding 17 years and younger |
$10.00 per month |
| myChance Checking |
$10.00 monthly |
| Re-opened misused Share Draft (Checking) Account |
$15.00 |
| Account closure within 6 months of opening |
$25.00 |
| Club account closure (before club end date) |
$25.00 |
ATM/Debit & Visa Credit Card Fees
| Unlimited ATM/Debit Transactions |
|
No ATM fees at any CO-OP Network ATM
(other financial institutions may charge you) |
|
| ATM/Debit Card (initial card) |
FREE |
| Replacement for lost ATM/Debit Card |
$10.00 |
| Rushed replacement for lost ATM/Debit Card |
$40.00 |
| Replacement for lost Visa Credit Card |
$10.00 |
| Rushed replacement for lost Visa Credit Card |
$40.00 |
| Cash advance on a non-credit union Visa Credit Card |
$10.00 |
| Visa Classic or Platinum Credit Card late payment |
$30.00 (up to) |
| Visa Classic or Platinum Credit Card return check |
$35.00 (up to) |
Money Market Savings Fees
Transfers through CARLA automated phone system
|
FREE
Limit 6 per month |
| Transfers through CARLA automated phone system |
$10.00 Each transfer
beyond limit of 6 per month |
Loan Fees
| Late loan payment |
$30.00 |
| Lien release letter |
$30.00 |
| Mortgage release discharge requested by a 3rd party |
$75.00 |
Copy of any documents requested by a 3rd party
(ie: Attorney) |
$1.00 per page |
| Subordination agreements |
$75.00 |
Miscellaneous Items
| Virtual Branch (Online Banking) |
FREE |
| Mobile Banking App |
FREE |
| Online Bill Pay Service |
FREE |
| E-statements |
FREE |
| Printed Statements |
$1.00 per statement |
| |
Printed statements are free to members under the age of 18 and over the age of 65. |
| Visa Gift Card |
$4.00 |
| CU Money Prepaid Reloadable Visa Card |
$5.95 |
| Official credit union check payable to 3rd party |
$5.00 |
| Wires in/out domestic |
$20.00 |
| Wires in/out foreign |
$40.00 |
| Foreign check collection |
$25.00 |
| Any check deposited to your account and returned to the credit union |
$35.00 |
Member check cashed by non-member
(up to $2,500) |
1% of check amount
$5.00 minimum |
| Copy of a printed statement |
$7.50 |
| Copy of printed account history |
$2.00 per page |
| Copy of check deposited to your account |
$10.00 per check |
| Copy of 1099/1098/1099SA/5498SA |
$7.50 |
| Returned mail / incorrect address fee |
$5.00 per piece |
| Processing of levies, garnishments, executions, subpoenas and escheatments |
$30.00 |
| Temporary checks |
(12 checks maximum)
$10.00 per request |
| Coin Machine |
2% of total amount of coins redeemed |
| RFID Debit/Credit Card Sleeve |
FREE per card, $1.00 each thereafter |
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