Schedule of Fees and Charges

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Visa® Debit Card & ATM Fees

Additional Cards (after 2)


Visa ®/Debit Card Purchase Receipt copy


Balance Inquiry at ATM




Overnight Card


Withdrawals at Telco ATM


POS Transaction


Non-Telco Cash Withdrawals
(after 4 per month)



Checking Account Fees

** You must maintain a total minimum daily balance of $2,500 in all of your accounts under the same member number to avoid fee.

§ This fee will apply if you have over 100 combined items posted to the account during the month.

Check Orders

Cost of checks

Opportunity Checking Account Fee 


Small Business Checking Account Monthly Service Fees

$10/mo **

Small Business Checking Account Excessive Usage Fee


Stop Payment


Temporary Check


Visa® Debit Card Purchase Receipt Copy



Overdraft/Non-Sufficient Funds Fees

*Charged each time a check, ACH debit, or other electronic debit is presented (or re-presented) and returned due to insufficient funds.

Deposited Items at Telco Returned NSF


Deposited Items at Shared Branching Returned NSF


Non-Sufficient Funds (NSF) Fee


Overdraft Privilege Fee


Overdraft Protection Transfer Fee




* Applicable fees for CO-OP Shared Branching.

Account History Print-Out (Paper)


Balance Statement and Research Fee

$20/hour with a 1 hour minimum

Cashier's Check: Member


Cashier's Check: Non-Member


Check Cashing Fee: Member (if aggregate deposit balance is under $500.00)


Check Cashing Fee: Non-Member


Copy of Statement/Reissue (Paper)


Draft Collection Fee




Faxed Copy of a Check


Loan Payment by Phone


Money Order




Phone Transactions or Account Inquiries


Photocopy of a Check


Reopen Account Fee


Returned Mail Fee


Stop Payment/Credit Union Checks


Stop Payment/Money Order (Money Gram)




Tax Levy/Garnishment



Closed & Dormant Accounts

* An account is considered dormant if the balance falls below $100 and there is no activity for one year.

Account Closing (Opened < 6 months)


Dormant Fee*


Escheatment Notice



Safe Deposit Box

3 x 5


3 x 10


5 x 10


10 x 11


Drilled Box

Actual cost to drill

Key Replacement Fee



Wire Transfers

Domestic - Incoming


Domestic - Outgoing





Withdrawal Fees and Penalties

Early withdrawal from certificates 1 year or less

3 months' dividend

Early withdrawal from certificates 2 years or more

6 months' dividend

Withdrawal from savings after the first 4


Withdrawal from Christmas Club Account