| Monthly Fees - effective January 1, 2008 | |
| Membership Fee | |
| All New Members (one time) | $5.00 |
| Savings Accounts | |
| Inactivity Fee (if inactive for one year; only if balance < $500) | $9.00 |
| Below minimum balance ($25) | $1.00 |
| Excess Withdrawal Fee (> 6 withdrawals per month from membership savings) |
$10.00 | Fair Share Fee (assessed if you have less than $250 combined savings and loan balances based on the last business day of the month. Waived if you have an active checking account, or if you are under 18 years old, or if you are a new member within a 1 year period) |
$5.00 |
| Checking Accounts | E-Free Check | FREE |
| Premium Value Checking | $0.00 |
| Below minimum balance ($500) - Premium only | $5.00 |
| Classic Checking | $5.00 | E-Builder | $10.00 |
| Check Orders | Printer's charge varies |
| Temporary Checks Order (free at opening of account) | $5.00 | Courtesy Pay | $25.00 |
| Plastic Cards | |
| Automated Teller Machine (ATM) Card | Free |
| Central Access (Debit) Card | Free |
| Excessive ATM Withdrawals (more than 5 in one month) | $1.00 ea |
| ATM/Debit Card Replacement (after 3 replacements) |
$25.00 |
| Central@net Home Banking | |
| Home Banking Service | Free |
| Bill Payer | Free |
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| Other Charges | |
| Requests | |
| Credit Union Withdrawal Check (if payable to member, 1 Free per day) |
$5.00 |
| Check Cashing Fee at Teller Line (< $100 aggregate balance of loans & shares) |
$3.00 |
| Money Market Withdrawal Check (3 Free per month) | $15.00 |
| Money Market Withdrawal Check (if less than $250) | $15.00 |
| Money Orders | $1.25 |
| Outgoing Wire - Domestic | $25.00 |
| Outgoing Wire - Foreign | $35.00 |
| Copy of C.U. Withdrawal Check | $5.00 |
| Copy of Deposited Check | $4.00 |
| Copy of Cleared Share Check | $4.00 |
| Copy of Statement (immediate, by fax) | $10.00 |
| Copy of Statement (2-3 days, by mail) | $3.00 |
| Temporary Checks (Free at opening of account) | $5.00 |
| Travelers Cheques | 2% of face value |
| Transfer to Another Institution | $20.00 |
| Stop Payment | $15.00 |
| Verification of Deposit (VOD) | $5.00 |
| Return Mail Fee | $2.00 |
| Penalties | |
| Returned Deposit | $20.00 | Automatic Overdraft Transfer (first 3 transfers per month are free) |
$10.00 |
| E-Free Overdraft Transfer | $10.00 |
| Non-Sufficient Funds (NSF) Check | $25.00 | Lien or Levy Fees | $30.00 |
| Early Closing (if account open for less than 12 months) | $15.00 |
| IRA Closing | $10.00 |
| Early Holiday Club Withdrawal | $10.00 |
| Excessive Withdrawals from Personal Savings (1 Free per quarter) |
$10.00 ea |
| Others | |
| Loan Application (refundable upon approval) |
$25.00 |
| Loan Re-application | $50.00 | Real Estate Demand for Payoff | $60.00 |
| Real Estate Reconveyance | $70.00 | Incoming Collection | $15.00 + cost |
| Statement Reconciliation | $25.00/hour | IRA Transfer to Another Institution | $20.00 |
| IRnet Funds Transfer (Fee will vary by destination) | CALL |
| Escheat Free | $2.50 | Special Check Handling (Clearing of exception items printed by unauthorized check printer) | $15.00 |
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All fees and charges disclosed herein are effective as of January 1, 2008, and are subject to change at any time. back to top |
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