September 19th, 2018

Fees

Fee Type Amount
Withdrawal Fee $5.00 / withdrawal
in excess of three (3) per quarter if no checking account
Savings Inactive Account Fee $5.00 / month
if balance is less than $100.00 at end of month and no other credit union account (excluding Christmas Savings account). Waived for members under age 24.
Fee Type Amount
Check Fee $5.00 / check
withdrawal after three (3) per month.
Paper Statement Fee Free
with Fresh Start and Premier Checking, or if under 18 or 65 or older
Paper Statement Fee $3.00 / month
without Fresh Start and  Premier Checking and age is between 18 and 64
Fee Type Amount
Early IRA Withdrawal/Closure Fee $25.00 / withdrawal
when under age 59 1/2 and receive the money directly or transfer to a non-CFCU IRA.
Fee Type Amount
Monthly Service Fee $10.00 / month
Monthly Service Fee $8.00 / month
if age 65 or older
Electronic Bill Pay Fee NONE
Fee Type Amount
Monthly Service Fee NONE
Electronic Bill Pay Fee NONE
Fee Type Amount
Monthly Service Fee $6.95 / month
Electronic Bill Pay Fee NONE
Account Type Amount
Business Checking Fees 160 Free items per month, then $.30 per item as listed below.
Monthly Service Charge $10 if balance falls below $1,500 or no business loan
Statement Fee Free Online/$3 Paper
ACH Credit Charge Fee $.30 per credit in excess of 20 per month
ACH Debit Charge Fee $.30 per debit in excess of 20 per month
Checks Received Fee $.30 per check in excess of 40 per month
Deposit Charge Fee $.30 per deposit in excess of 10 per month
Draft Clearing Fee $.30 per draft in excess of 60 per month
Rolled Coin Fee $.30 per roll in excess of 10 per month
Cash Deposit/Withdrawn Fee $.30 per $100, no charge for the first $2,500
Check Printing Prices may vary
Business Select Checking Fees 420 Free items per month, then $.30 per item as listed below.
Statement Fee Free Online/Free Paper
ACH Credit Charge Fee $.30 per credit in excess of 70 per month
ACH Debit Charge Fee $.30 per debit in excess of 70 per month
Checks Received Fee $.30 per check in excess of 120 per month
Deposit Charge Fee $.30 per deposit in excess of 20 per month
Draft Clearing Fee $.30 per draft in excess of 120 per month
Rolled Coin Fee $.30 per roll in excess of 20 per month
Monthly Service Fee $20.00 (Maintenance Charge)
Cash Deposit/Withdrawn Fee $.30 per $100, no charge for the first $10,000
Check Printing Prices may vary
Earnings Credit Credit applied towards fees, see business rate schedule
Fee Type Amount
Account Early Withdrawal Fee $5.00 / withdrawal

 

Fee Type Amount
Overdraft Privilege Fee $35.00 / item
NSF Fee $35.00 / item
Cashiers Check (one free with Premier checking) $5.00 per check
Stop Payment Fee $35.00 / request
Check Printing Fee Prices vary depending upon style
Wire Transfer Fee: Incoming/Outgoing (Domestic) $15.00 / transfer
Wire Transfer Fee: Incoming (Foreign) $25.00 / transfer
Wire Transfer Fee: Outgoing Foreign (Foreign Currency) $50.00 / transfer
Wire Transfer Fee: Outgoing Foreign (U.S. Dollars) $80.00 / transfer
Paper Statement Fee $3.00 / month
without Premier Checking
Paper Statement Fee FREE with Fresh Start and Premier Checking, or if age is under 18 or 65 or older
Bill Pay Inactivity Fee $3.00 / month
if no bills paid within 3 months
Account Reconciliation Fee $25.00 / hour
$25.00 Minimum Charge
Account Research Fee $25.00 / hour
$25.00 Minimum Charge
Statement Copy Fee $3.00 / page
Account Activity Printout Fee $3.00 / page
Deposited Item Return Fee $15.00 / item
Check Copy/Photocopy Fee $3.00 / copy
Account Closure Fee $25.00
if account is closed within the first 6 months
SEG Group Payroll Check Cashing $5.00 each
Incorrect Address Fee $10.00 after 3 returned statements
Negative Balance Fee (after 30 days) $15.00
Legal Action Processing Fee $50.00 each
(Levy, Garnishment, etc.)
Account Forced Closure Fee $25.00
Verification of Deposit $30.00
Foreign & Other Collection Items $10.00
plus outside costs incurred
ATM/Debit Card Lost/Reissue Fee $5.00
Cash Advance on non-CFCU Credit Card 3% of advance
Gift Card Purchase $3.00 each
Coin Deposited (rolled or excessive loose) 5% of deposit
Escheatment Fee $50.00
Mortgage Payoff Request $30.00 each
Signature Guarantee $10.00 per request
Fee Type Amount
ATM Transaction Fee No charge for withdrawals at ATMs owned by the credit union and other affiliated networks; four (4) free per month at “foreign” ATMs for Premier, Two (2) per month for Fresh Start and easyChecking; $2.00 for each ATM transaction thereafter.
ACH Overdraft Privilege Fee $35.00 / item
ATM/Debit Card Overdraft Privilege Fee $35.00 / item
ATM Balance Inquiry Fee $2.00 / item
ACH NSF Fee $35.00 / item
ATM/Debit Card NSF Fee $35.00 / item
Fee Type Amount
Annual Rental Size 3 x 5 / $25.00  ($12.50 with Premier Checking)
3 x 10 / $50.00  ($25.00 with Premier Checking)
5 x 10 / $60.00  ($30.00 with Premier Checking)
10 x 10 / $85.00 ($42.50 with Premier Checking)
Replacement Key Fee Per vendor cost
Drilling Fee Per Vendor cost
Fee Type Amount
Per value of one share $5.00
Share Savings Account Minimum $25.00

* The prospective rates and the fees appearing in this Schedule are currently in effect as indicated on this Truth-In-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the credit union at 615-385-6866.


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