Fee Schedule

Effective June 1, 2017

FEES ARE SUBJECT TO CHANGE

Individual Account Fees

Fee	Amount	Description
Access Overdraft Advance	$35.00	Per occurrence when ODA is activated.
Copy of Draft/Check	$5.00	Per copy we pull (FREE on It's Me 24/7).
Closing Account	$10.00	If you close your account within 6 months of opening the account.
Dormant Account Fee	$5.00	Per month, when an account has been inactive for over 12 months.
Monthly Low Balance Fee	$1.00	When balance in prime share falls below $5.00 at any time during the month.
New Account / Crossfile	$30.00	New account opening within 12 months of closing a Chief Financial Account.
Overdraft From Shares to Cover ACH/Check	$3.00	Transfer from the savings account to the checking to allow ACH/Check to clear.
Regulation D Fee	$7.50	Per electronic transaction after limit of 6 electronic transfers/payments per month.
Check Stop Payment	$30.00	Place a stop payment on a individual check number.
ACH Stop Payment	$30.00	Place a stop payment on a ACH Transaction.
Starter Checks	$4.00/4	Starter checks printed in office.

Fee	Amount	Description
Monthly Maintenance Fee	$10.00	FREE if balance is $500.00 or more.
Per Check Fee	$0.20	Per check when depositing (non automated transaction) over 30 items per day.
Copy of Draft/Check	$5.00	Per copy we pull (FREE on It's Me 24/7)
Closing Account	$10.00	If you close your account within 6 months of opening the account.
Dormant Account Fee	$5.00	Per month, when an account has been inactive for over 12 months.
Monthly Low Balance Fee	$1.00	When balance in prime share falls below $5.00 at any time during the month.
New Account/Crossfile	$30.00	New account opening within 12 months of closing a Chief Financial Account.
Overdraft from Shares	$3.00	Transfer from the savings account to checking to allow ACH/Check to clear.
Check Stop Payment	$30.00	Place a stop payment on a individual check number.
ACH Stop Payment	$30.00	Place a stop payment on a ACH Transaction.
Starter Checks	$4.00/4	Starter checks printed in office.
Merchant Services		Pricing Varies on Product and Contract Agreement

Fee	Amount	Description
ATM/Debit Inquiries	$1.00	When you go to an ATM machine and ask for your balances on your account.
ATM/Debit Hot Card	$7.00	Turn your card off so it can no longer be used due to lost/misplaced/stolen cards.
ATM/Debit Replacement Card	$5.00	Unreadable, lost/stolen, card broken, can not be used any longer.
ATM/Debit Pin Replacement	$5.00	Pin sent to your address or you can choose your pin in office.
Non Co-Op ATM Transfer	$1.00	Transfers at a Non Co-Op ATM machine between accounts.
Non Co-Op ATM Withdraw	$1.00	Withdraw of funds at a Non Co-Op machine.

Fee	Amount	Description
ACH One Time Fee	$5.00	A one time ACH transfer set up in office or online.

Fee	Amount	Description
Loan Payment By Phone {Cash Advance}	$5.00	When paid with your debit or credit card from another Financial Institution.
Late Payment Fee	$15.00	When your payment is made more than 10 days after the due date.
Refinance of a Chief Financial Loan	$50.00	Refinancing a Chief Financial Loan with a new Chief Financial Loan.
Insurance Tracking Documentation Fee	$25.00	Per on road motor vehicle or boat loan.
Skip A Pay	$35.00	Application fee for skipping a loan payment.
Return Loan Payment Fee	$35.00	Loan payment comes back for any reason (NSF, Stop Payment, Closed, Unlocate).

Fee	Amount	Description
Account History	$3.00	Per page (FREE on It's Me 24/7).
Account Reconciliation	$25.00	Per hour. We will balance your account for you.
Account Verification	$5.00	Form filled out for your benefit.
Incoming Coin	5%	Coin brought in and exchanged for paper currency or deposited to your account.
Fax Service	$2.50	Per page.
Levy or Garnishment	$50.00	Per levy or garnishment that is served on your account.
Non Member On Us Check Cashing	$5.00	Cashing a member written check for a non member.
Return Mail - Each Item	$7.00	Each item returned to us from the Post Office.
Check Cashing Fee	$5.00	Per check (FREE if aggregate savings over $200 or Loan balance over $500).
Cashier Check	$3.00	When Cashier Check is made payable to Third Party.
Money Order	$2.00	Per money order. Money orders are for amounts up to $1000.00.
Wire Transfers	$20.00	Sending or receiving a wire transfer.
Manual Phone Transfer	$5.00	Transferring money between accounts (FREE on It's Me 24/7 & CUTalk).
Return Items for Any Reason	$35.00	NSF, Stop payment, ATM, Check, ACH items.
Statement Copy	$5.00	Per month (FREE on It's Me 24/7).
Statement Mailed Fee	$1.00	Per month (FREE on It's Me 24/7).
Returned Item Fee	$35.00	Per item presented to Chief Financial that's returned NSF, Stop Pay, Closed Account.
Cash Advance Fee	FREE	In branch cash advance.
Escheat Notice	$10.00	A notice mailed out alerting that account will be escheated if no activity.
Escheated Account	$25.00	No activity on the account in the past three years and has to be escheated to the State.

Fee	Amount	Description
Xtend Shared Branching	FREE	Xtend Shared Branch Network.
Co-Op National Shared Branching	$3.00	Per transaction at Co-Op Shared Branching if aggregate savings balance less than $500.

Fee	Amount	Description
Reloadable Visa Card - New Issue	$6.95	New reloadable visa card.
Reloadable Visa Card - Per Load	$4.00	Per reload onto the card.
Gift Cards	$4.00	Each new card, one time use gift cards.