Schedule of Fees - Effective November 1, 2016

Share and Club Accounts

Six in-office share withdrawals per quarter FREE
Each additional withdrawal $5.00 each
Holiday Club early withdrawal before Oct. 31 $5.00 each
Vacation Club early withdrawals  First FREE $5.00 each
thereafter/yr.
IRA transfers, Rollovers, Closed Accounts $25.00 each
Below Minimum Balance $5.00/month
Dormant Accounts - (no activity or loans in a year) $5.00/month
   

Share Draft (Checking) Accounts

Courtesy Pay (Checks, ACH, EFT Transactions) $31.00 each
Automatic Transfer for Overdraft Protection
(maximum 6 per month)
$5.00 each**
Copy of Paid Draft (if not available online) $5.00 each
Stop Payments $20.00 each
Security Fee $2.50/month
** Federal regulations limit number of transfers/withdrawals allowed per calendar month to six.     Transfers/withdrawals in excess of six will be returned for non-sufficient funds.
   

Loan Accounts

Late fees 20% of interest due
Single Credit/Life $.67/$100 per month
Joint Credit/Life $1.17/$100 per month
Credit Disability $1.70/$100 per month
   

MasterCard

Late Payment $25.00/month
Returned Check for Payment $29.00 each
Replacement Card $15.00 each
Reissue PIN $5.00 each
Over Credit Limit $25.00/month
Sales Draft Copy $5.00 each
Temporary Increase $10.00 each

ATM/Debit Card

CCFCU Owned ATMs FREE
Presto Withdrawals 6 FREE/month
Other ATM Networks 2 FREE/Month
Withdrawals exceeding above $1.00 each
POS (Point-Of-Sale) Transactions FREE
Replacement Card/PIN Reissue $5.00 each
Balance Inquiry $0.50 each
ATM/Debit NSF $31.00 each
   

General/Other Fees

NSF (Non-Sufficient Funds) Overdrafts (Checks, ACH, EFT Transactions) $31.00 each
Return Deposit Items $15.00 each
Notary Service FREE
Closing Account Within 90 days of Open Date $10.00
Copy of Statements or History Printout $5.00 each
Stop Payment/Revocation Cashier/CU Teller Check, ACH $20.00 each
Credit Union Money Orders (maximum $1,000 per) $1.00 each
Credit Union Cashiers Checks $5.00 each
Credit Union Teller Check (payable to member only) FREE
Domestic Wires $20.00 each
International Wires  $45.00 each
Research (one hour minimum)  $20.00/hour
Check Cashing Fee $3.00/each
Return Mail/Bad Address $5.00/month

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