| Excess Withdrawal | Over five (5) ATM withdrawals in a calendar month | $2.00/transaction |
| Check Cashing | Non-Credit Union check cashed with total savings and/or checking balance of $50 or less | $ 5.00 each |
| Check Cashing | Non-Credit Union check cashed with total savings and/or checking balance of $100 or less | $ 3.00 each |
| Checks | Copies | $ 3.00 /item |
| Checks | Counter | $ .25 /check |
| Checks | Third Party Payee | $ 5.00 / check |
| Courtesy Pay / Overdraft Privilege / Non-Sufficient Funds | Debit/ATM/Bill Pay/ACH/Check | $ 30.00 /item |
| Deposit or Payment Item Return | $ 10.00 /item | |
| Outgoing Wire Transfer | Domestic | $ 20.00 each |
| Outgoing Wire Transfer | International | $ 50.00 each |
| Overdraft Transfer | Transfer from any of the member/joint owner(s) available savings accounts | $ 5.00 / transfer |
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| Excess Withdrawal | Over six (6) withdrawals from Money Market Account in a calendar month | $ 15.00 |
| Checking Account (75/76) | Average Daily Balance falls below $500. • Fee exempt under Age 22 | $ 5.00 /month |
| Health Savings Account | $2.50/month | |
| Inactive Checking Account | • Twelve (12) months or more of inactivity • Account balance under $100 • Waived if existing CD or Loan Balance | $ 5.00 /month |
| Inactive Share Account | • Twelve (12) months or more of inactivity • Over the age of 16 • and account balance under $100 | $ 15.00 /quarter |
| Paper Statements – Checking | Members between age 18-65 | $ 3.00 /month |
| Spark Checking (73) | Account requirements per month are: • Ten or less checks cleared/presented • Online Banking • E-Statements • Active VISA Debit Card • and a total direct deposit >=$700 | $ 10.00 /month |
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| Bill Pay | Overnight Check / Same Day | $ 20.00 |
| External Transfers | Inbound / Outbound | $ 2.95 |
| Pop Money | Send / Request Money | $ .75 |
| Pop Money | Instant Payment | $ 3.00 |
| Pop Money | Stop Payment | $ 25.00 |
| Pop Money | e-Greetings | $ .25 |
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| Account Reconciliation & Account Research | Minimum charge 1 hour | $ 25.00 /hour |
| Coin Machine Usage (where available) | 8% Transaction Fee for Non-Members | |
| Collection Item | Domestic or International | $ 25.00 /item |
| Debit Card | Card Replacement | $ 15.00 |
| Debit Card | Pin Change | $ 5.00 |
| Debit Card | Rush Order | $ 45.00 |
| Debit Card | Sales Ticket Copy | $ 5.00 /each |
| Document Delivery | Member Request for Certified Mail | $ 10.00 |
| Document Delivery | 2nd Day Express Delivery | $ 20.00 |
| Document Delivery | Overnight – Standard | $ 35.00 |
| Document Delivery | Overnight - First or Priority | $ 50.00 |
| Health Savings Account Setup | $7.00 | |
| Inactive IRA | IRA account with Average Daily Balance less than $500 and no transaction activity for 2 calendar years. | $ 10.00 /year |
| Maintenance/ Returned Mail | • Undeliverable address on file • USPS notification of address change through forwarding order | $ 5.00 /month |
| Money Orders (where available) | $ 3.00 /each | |
| Payment by Phone | $ 5.00 /payment | |
| Statement Printouts | $ 3.00 /page | |
| Stop Payment | $ 25.00 /request | |
| Legal Processing | $ 50.00 /occurrence | |
| VISA Gift Cards | See the Gift Card Terms and Conditions disclosure for additional fee details | $ 3.00 /card |
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