Fee Schedule


Description Effective as of Additional Information
05/28/2016

Savings Accounts

Monthly Maintenance $0 to $3 Varies according to savings product. Please see account characteristics for more details.
Excess Number of Withdrawals (per item) $0 to $0.50 Varies according to savings product. See account characteristics for more details.
Check Cashing 1% Free for Checks
a) Under $100 or
b) When savings is more than $50 or
c) When member has other CCU accounts

Checking Accounts

Non-Sufficient Funds (NSF) Return (per item) $30 NSF can be created by check, in-person withdrawal, ACH or other electronic means.
Overdraft (per item) $30 Overdraft can be created by check, in-person withdrawal, ACH or other electronic means, and (after opting-in to discretionary courtesy pay) your one-time debit card transactions.
Overdraft Protection Transfer (per item) $5  
Overdraft Protection Transfer from LOC (per item) $5 + interest See loan agreement for additional details.
Stop Payment (per series) $27  
Monthly Maintenance $0 to $10 Varies according to checking product. See account characteristics for more details.
Number of Withdrawals Unlimited  
Deposited Item Returned $5  

Other Services

Lifetime Membership $5  
  • Wire Transfer
    • Domestic
    • International
  • $18
  • $40
 
Money Order (each) $3  
Cashier’s Check (each) $4  
Credit Union Check (each) $4  
Returned Mail Processing $5  
  • Collection item
    • Domestic
    • International
  • $20
  • $40
 
Inactive Account $5

An individual member is exempt from all monthly Inactive Account fees if they are the tax reported owner for any of these relationships as of each month-end:

a) Has an open certificate
b) Has an open IRA Savings account
c) Is using wealth management services
d) Has an open loan with a balance
e) Has made any type of deposit or withdrawal on any of their deposit accounts in the past 365 days.

If an exemption does not apply, the inactive savings, checking, and money market accounts will be subject to the Inactive Account fee. Inactive is defined as not having a deposit or withdrawal for 365 days.

Abandoned Unclaimed Property $50 Assessed on inactive accounts considered abandoned when (for 36 consecutive months prior to the fee assessment) no member-initiated deposits, withdrawals, or transfers occur; no deposit or loan accounts are opened; the member has not otherwise contacted the Credit Union (verbally or in writing) requesting that the account remain.
Copies (Checks, statements, etc.) each $2.50  
Exchange Foreign Currency (each) $5  
Research & Reconciliation (per hour) $25  
New Debit Card Free  
Custom Debit Card $12 Custom including changing picture on existing custom card as this requires a new card # and PIN to be issued.
  • Replacement debit card
    • Standard
    • Custom
  • Free
  • Free
  • With existing image, card # & PIN
Non-Columbia ATM (per withdrawal) $1  
3rd Party Payoff Request $25  
Skip Loan Payment $30  
Levy/Garnishment Processing $30  
External Transfer
  • $1
  • Free
  • $3
  • 1%
  • Outgoing – standard delivery (3 business days)
  • Incoming – standard delivery (3 business days)
  • Next-day delivery for amounts $10-$300
  • Next-day delivery for amounts $300.01-$2,000
Request Money $0.50  
Pay People
  • $1
  • $3
  • 1%
  • Standard delivery (3 business days)
  • Next-day delivery for amounts $10-$300
  • Next-day delivery for amounts $300.01-$2,000

 


Description Effective as of Additional Information
05/28/2016

Checking Accounts

Non-Sufficient Funds (NSF) Return (per item) $30 NSF can be created by check, in-person withdrawal, ACH or other electronic means.
Overdraft (per item) $30 Overdraft can be created by check, in-person withdrawal, ACH or other electronic means, and (after opting-in to discretionary courtesy pay) your one-time debit card transactions.
Overdraft Protection Transfer (per item) $5  
Overdraft Protection Transfer from LOC (per item) $5 + interest See loan agreement for additional details.
Stop Payment (per series) $27  
Monthly Maintenance $0 to $15 Varies according to checking product. See account characteristics for more details.
Excess Number of Transactions (per item) $0.20 100 to 300 transactions free per month depending on checking product. See account characteristics for more details.
Excess Cash Withdrawn/Deposited (per $100) $0.10 $2,000 to $5,000 cash withdrawn/deposited free per month. Varies according to checking product. See account characteristics for more details.
Excess Checks Deposited (per item) $0.20 100 to 300 deposited checks free per month depending on checking product. See account characteristics for more details.
Deposited Item Return $5  

Other Services

Lifetime Membership $5  
  • Wire Transfer
    • Domestic
    • International
  •  
  • $18
  • $40
 
  • ACH ORIGINATION
    • Initial Set-Up
    • Per Month
    • Per File
    • Per Record
    • Returns
  •  
  • $50
  • $25
  • $12
  • $0.08
  • $5
  • Conveniently upload NACHA formatted files for ACH transactions, such as your company payroll or membership dues.
  • Free for 2 files per month. $12 thereafter.
  • For each debit and credit within the file
  • For each returned debit and/or credit
Bill Pay   Free  
  • Enhanced Bill Pay
    • Set Up
    • Monthly Maintenance
  •  
  • $25
  • $12
Expanded web-based bill payment and direct deposit services. Enhanced Bill Pay include all the benefits of our free business Bill Pay service, plus increased token security and payment capacity for qualifying accounts. Contact E-Commerce for more information.
Money Order (each) $3  
Cashier’s Check (each) $4  
Credit Union Check (each) $4  
Return Mail Processing $5  
  • Collection Item
    • Domestic
    • International
  •  
  • $20
  • $40
 
Abandoned Unclaimed Property $50 Assessed June 30 on inactive accounts considered abandoned when (for 36 consecutive months prior to the fee assessment) no member-initiated deposits, withdrawals, or transfers occur; no deposit or loan accounts are opened; the member has not otherwise contacted the Credit Union (verbally or in writing) requesting that the account remain open.
Copies (Checks, statements, etc.) each $2.50  
Exchange Foreign Currency (each) $5  
Research & Reconciliation (per hour) $25  
New Debit Card Free  
Replacement Debit Card Free  
Non-Columbia ATM (per withdrawal) $1  
3rd Party Payoff Request $25  
Levy/Garnishment Processing $30  
Check Cashing 1% Free for Checks
a) When savings is more than $50 or
b) When member has other CCU accounts
Inactive Account $5

An organization is exempt from all monthly Inactive Account fees if the tax reported owner has any of the following relationships as of each month-end:

a) has an open certificate
b) Has an open IRA Savings account
c) Is using wealth management services
d) Has an open loan with a balance
e) Has made any type of deposit or withdrawal on any of their deposit accounts in the past 365 days

If an exemption does not apply, the inactive savings, checking, and money market accounts will be subject to the Inactive Account fee. Inactive is defined as not having a deposit or withdrawal for 365 days.