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Personal Checking

Fee Item
$30.00 Returned Draft Fee (Checks ACH, Debit/ATM)
$30.00 Returned Deposit Items )Includes non-sufficient checks made to loan payments)
$20.00 Stop Payment Fees
$3.00 Statement Copy Fee (members requesting more than one statement copy)
$5.00 Cashier Checks
$15.00 Research Fee (research done at member's request not related to a credit union error)
$3.00 Check Copy Fee (member requested copies that are not related to proof of payment)
$10.00 Lost Credit/Debit Card Re-Issue Fee
$30.00 Privilege Pay Fees
$10.00 Domestic Outgoing Wire Transfer Fee (Personal Accounts Only)
$50.00 International Outgoing Wire Transfer Fee (Personal Accounts Only)
$10.00 Inactive Account fee (per month)
$5.00 Non-member check cashing fee(cashing through a member account)
$5.00 Non-member converting personal check payable to a business to a cashier check
$5.00 Check Cashing Fee(if a member does not have deposits totalling $100 or more, a checking account or loan, there will be a check cashing fee)
$50.00 Garnishment and Tax Levy Fee
$7.00 Monthly Service Fee on Second Chance Checking
5% Coin exchange could be subject to a fee up to 5% of the total amount of coin
5% Tax Check Cashing Fee(if a member does not have deposits totaling $100 or more, a checking account or loan, there will be a check cashing fee)
  • Inactive Share Accounts will be closed 30 days after dropping below the par value of $5.00.
  • Certificate Rates, Terms and Conditions Subject to Change Weekly.
  • Dividends are paid based on Anticipated Available Earnings.
  • All Savings and Certificate Accounts Insured to $250,000 by the National Credit Union Administration, and Agency of the Federal Government.
  • IRA Share and Certificate Accounts Insured to $250,000 by the National Credit Union Administration, and Agency of the Federal Government.
  • Contact Credit Union Employee for further Information on Fees and Terms*

***SPECIAL NOTES*** 

Inactive Accounts: An account is not considered inactive until it has not had any activity (no transactions) for 12 consecutive months. The posting of interest is NOT considered activity on the account.  It must be a deposit or withdrawal, etc.  Inactive account fees will not be charged to members that have IRA's, Share Certificates (CDs), Health Savings Accounts (HSAs),  loans, primary members under the age of 18 or accounts that have an aggregate balance of $5000 or more.

***FEES SUBJECT TO CHANGE

 

*Ability to Withdraw Funds Adjustment Notice As required by the Federal Reserve Board, Regulation CC requires that financial institutions make deposited funds available to customers in a timely manner. In these regulations they allow checks presented to be held at the financial institution. The amounts that can be held in a checking account are adjusted every 5 years. As a reminder, savings account check holds are not bound by the REG CC rules. The rule change is effective 7/1/2025.
                                            Current Hold                   Next Day
Next Day Availability                  $225                                        $275
New Account                               $5,525                                     $6,725
Large Deposit                           $5,525                                     $6,725  
Case by case holds may change the hold time frame and amounts, these may include but are not limited to: Re-deposited items, Repeat overdraft accounts, Repeat check returns, Reasonable cause to doubt collectability, Emergency conditions. You will be receiving an updated account disclosure that will provide more information.