College Credit Union - Account Fees

2901 S. 27th Avenue and 1503 9th Avenue, Greeley, CO 80631
(970) 330-3900   TOLL FREE (866) 870-3150   FAX: (970) 330-3609

Fees & Services Charges

August 1, 2007

The following are fees that may be charged to your account.  If there is a fee due, and it is not available in the account, it will be deducted from any available source under your member number or any account you are an owner or joint owner on, i.e. checking, overdraft loan or savings.

Below minimum balance:	$5.00 per month if balance falls below $2,000.00 on Millennium Checking accounts
Dormant checking account:	$5.00 will be accessed if your checking account is inactive for more than 90 days. Waived if with minimum balance over $300.00
Secondary checking account:	$5.00 per month. Waived if with minimum balance of $300.00
Transfer from savings to clear checks, ACH, other items:	$2.50 - Automatic transfers from savings accounts to checking accounts to clear items are charged $2.50 per transfer (limit of 6 automatic or unsigned per month).  Transfers are made in increments of $50.00.
Insufficient check, ACH, or other item return fee:	$22.00 - If your overdraft loan is at its limit and items are presented for payment, the item (check, ACH, or other item) will be returned Insufficient Funds (NSF) and your account will be charged $22.00 fee.
Courtesy Pay fee:	$32.50. Fee to clear NSF check if a deposit is made the same day to cover the check.
Returned deposited check fee:	$10.00 - Any check that you deposited to your account and is returned to College Credit Union “for any reason” is charged a $10.00 handling fee.  Checks are usually deposited twice.  If the check fails to clear, it is your responsibility to collect the funds from the person who wrote you the check along with any fees incurred.
Collection item - incoming:	$15.00 held for 5 days
Stop payment items:	$22.00 - Orders to stop payment of checks or ACH items will be charged $22.00.  If this is an ACH item we need 72 hours prior notice from withdrawal date to stop payment.
Copies of statements:	$3.00 per page per copies of statements and history of account transactions.
Copy of Account Transactions:	$3.00 per page.
Copies of canceled checks:	$3.00 per copy will be charged for each check copy. Check copies are also available on our Home Banking Website for free.
Copy of Credit Union Draft:	$5.00 (Teller check from Member's account)
Balancing account fee:	The first hour of research and balancing will be provided free.  Any additional hour of research is charged $30.00 per hour with a minimum of $30.00 charge.  If there is a need to have your account balanced more than once, you will be charged $30.00 for each hour of research.
ACH Origination set-up or change:	$15.00 - Charged each time an ACH Origination is changed or started.
ACH origination return fee:	$22.00 when we ORIGINATE on ACH from another institution to College Credit Union. CCU will only process twice and the ACH will be terminated (stopped).
Money orders:	Money orders are available in amounts from $1.00 to $999.00 per money order for $1.00 each (must be purchased with guaranteed funds).
Temporary Check:	$5.00 per packet. For New Checking Accounts the first packet will be free (4 checks per packet).
Western Union Wire fee:	$15.00
Outgoing Domestic Wire fee:	$15.00; incoming wire transfers are free.
International Wire fee:	$35.00 or cost of actual wire, whichever is greater.
Bill Pay fee:	Free for the 1st Checking Account (FREE Checking or Millenium Checking) but the 2nd Checking Account will be charged $5.00 per month.
Money Market Withdrawal fee:	$10.00 - The first three withdrawals per month are free.  College Credit Union allows only 6 withdrawals per month and the second three withdrawals will be charged a $10.00 fee per withdrawal.
Millenium Checking and Money Market Account Minimum Balance fee:	$5.00 monthly fee will be accessed if your balance falls below the minimum balance.
Re-opening Membership fee:	$20.00 fee
Early close fee:	$20.00 - If you close your membership account within 90 days of opening you will be charged a $20.00 processing fee.
Cashier's Check:	$3.00 per check (must be purchased with guaranteed funds).
Certified Check:	$3.00 per check (must be purchased with guaranteed funds).
Teller Counter Check:	If you want a teller counter check payable to a third party you will be charged $2.00 fee.
Travelers Checks:	$1.00 per $100.00 for any member that does not have an active checking account with CCU. FREE to active* checking account holders.
Travelers Checks for TWO:	$2.00 per $100.00; $1.00 per $100.00 for members with an active* checking account with CCU.
Gift Check:	$2.50 per check.
Garnishment and Tax Levy processing fee:	$50.00 per presentation.
Returned statement:	Any statement returned for incorrect address will receive a $2.00 processing fee.  Please notify us of your moving.
Home Banking:	$2.00 per month. Waived for members with a checking account.
VISA Cash Advance Fees (manual):	Member: $5.00 (Advance limit $100.00) Non-Member: $10.00 (Advance limit $50.00)
Rolled Coin fee:	$1.00 per "short" roll. Free for all rolls with accurate coin.
	*active checking account = opened for more than 90 days with 10+ transactions monthly.
Check Card Fees:
ATM fee:	First 8 ATM transactions per month are free and you will be charged $1.50 per transaction over 8 in a calendar month.
Monthly or Annual fee:	FREE
Rush Card fee:	$30.00
Copy of Purchase slip:	$10.00
ATM deposit adjustment:	$5.00
Replacement Card fee:	Bad Magnetic Strip $5.00 Lost or Stolen Card $15.00 Second Lost or Stolen Card $20.00