Schedule of Fees and Charges

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Visa® Debit Card & ATM Fees

Additional Cards (after 2)

$25

Visa ®/Debit Card Purchase Receipt copy

$12

Balance Inquiry at ATM

Free

Transfers

Free

Overnight Card

$50

Withdrawals at Telco ATM

Free

POS Transaction

Free

Non-Telco Cash Withdrawals
(after 4 per month)

$1

 

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 

$10/month

Small Business Checking Account Monthly Service Fees

$10/mo **

Small Business Checking Account Excessive Usage Fee

$20/mo§

Stop Payment

$25

Temporary Check

.50¢/check

Visa® Debit Card Purchase Receipt Copy

$12

 

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

$30.00

Deposited Items at Shared Branching Returned NSF

$30.00

Non-Sufficient Funds (NSF) Fee

$30.00/Presentment*

Overdraft Privilege Fee

$30.00

Overdraft Protection Transfer Fee

$5.00/Item

 

Services

* Applicable fees for CO-OP Shared Branching.

Account History Print-Out (Paper)

$1/page

Balance Statement and Research Fee

$20/hour with a 1 hour minimum

Cashier's Check: Member

$5*

Cashier's Check: Non-Member

$10

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

$5

Check Cashing Fee: Non-Member

$10

Copy of Statement/Reissue (Paper)

$10/Month

Draft Collection Fee

$10/item

E-statements

Free

Faxed Copy of a Check

$5

Loan Payment by Phone

$15

Money Order

$2*

Notary

$10*

Phone Transactions or Account Inquiries

$1

Photocopy of a Check

$3

Reopen Account Fee

$10

Returned Mail Fee

$5/Month

Stop Payment/Credit Union Checks

$10*

Stop Payment/Money Order (Money Gram)

$18*

Subpoena

$25

Tax Levy/Garnishment

$25

 

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)

$10

Dormant Fee*

$5/month

Escheatment Notice

$50

 

Safe Deposit Box

3 x 5

$25/Year

3 x 10

$35/Year

5 x 10

$50/Year

10 x 11

$70/Year

Drilled Box

Actual cost to drill

Key Replacement Fee

$25

 

Wire Transfers

Domestic - Incoming

$5

Domestic - Outgoing

$15

International

$35

 

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

$3

Withdrawal from Christmas Club Account

$5