Account & Member Services Charges

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, e.g. checking, overdraft loan or savings. Updated Feb. 2009

Membership Fee

FREE

Re-Opening Membership Fee

$20.00

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.

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.

Copies of Statements

$3.00 per page per copies of statements and history of account transactions.

Copy of Account Transactions/History Fee

$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 Web site for free.

Copy of Credit Union Draft Fee

$5.00 (Teller check from Member's account)

DORMANT Checking Account Fee

$5.00 will be accessed if your checking account is inactive for more than 90 days. Waived with minimum balance $300.00 and over.

Secondary/Second Checking

$5.00 per month

Insufficient Check, ACH, or Other Item Return Fee

$30.00 - If your overdraft loan is at its limit and items arc presented for payment, the item (check, ACH, or other item) will be returned Insufficient Funds (NSF) and your account will be charged $30.00.

Transfer Fee to Clear Checks, ACH, or 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.

Courtesy Pay

$30.00 Fee to clear an NSF check if a deposit is made the same day to cover the check.

Returned Deposit 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.

Stop Payment Items

$30.00 - Orders to stop payment of checks or ACH items will be charged $30.00. ACH item need 72 hours prior notice from withdrawal date to stop payment.

ACH Origination Set-up FEE

$15.00 Charged each time an ACH Origination is changed or started.

Money Market Withdrawal Fee

$10.00 - The first 3 withdrawals per month are free and the second 3 with­drawals will be charged a $10.00 fee per withdrawal. College Credit Union allows only 6 withdrawals per month.

Millennium Checking and Money Market Account Minimum Balance FEE

$10.00 Monthly fee will be accessed if your balance falls below the Minimum Balance.

Home Banking Charge (Internet Banking)

$2.00 per month. Waived for members with a checking account or e-Statements w/Savings accounts. Cashier Check Fee: $3.00 per check (must be pur­chased with guaranteed funds).

Teller Counter Check Fee

$2.00 for teller counter check payable to a third party.

Money Orders

$1.50 fee per Money order. Money Orders arc available from $1.00 to $999.00 per. (must be purchased with guaranteed funds).

Temporary Check Fee

$5.00 per packet. For New Checking Accounts the first packet will be free (4 checks per packet).

Rolled Coin Charges

$1.00 per "short" roll. Free for all rolls with accurate coin.

Collection Item

$15.00 to process and held for 5 business days.

Garnishment and Tax Levy Processing Fee

$50.00 per presentation.

Returned Statement Fee

Any statement returned for incorrect address will receive a $2.00 processing fee. Please notify us of your new address and phone numbers!

Outgoing Domestic Wire Fee

$15.00 CU Corporate Transfer

$5.00 Member-to-Member

International Wire Fee

Minimum fee $35.00. Contact the Credit Union office for more details needed.

Western Union Wire Fee

$15.00

Visa Check Card Fees

Annual fee

No charge.

Monthly fee

No charge

ATM withdrawal fee

$1.50 - First 8 ATM withdrawal transactions arc free per month.

Copy of Purchase slip fee

$10.00

ATM deposit adjustment fee

$5.00

Rush Card fee

$30.00

Replace Card fee

Bad Magnetic strip $5.00

Lost or Stolen Card $ 15.00

2nd Lost or Stolen Card $20.00

VISA Cash Advance Fees (manual)

Member $5.00 - Limit $100.00

Non-Member $10.00 - Limit $50.00

Traveler Check Fees

Regular Checks (Single Signature)

$1.00 per $100.00 or FREE for Members with Active Checking Account*

Checks for TWO

$2.00 per $100.00 Or $1.00 per $100.00 for Members with Active Checking Account*

Gift Check

$2.50 per check

*Active checking account is checking account opened for more than 90 days with more than 10 transactions monthly