Fee Schedule

Effective May 1, 2016

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.

Business Account Fees

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

Mobile Check Deposit Machine

Fee Amount Description
Per Member Set Up Fee $15.00 Per Work Station
Canon CR-80 Check Scanner $995.00 Purchase
Canon CR-50 Check Scanner $795.00 Purchase
Canon CR-50 Check Scanner $40.00 Lease Monthly Fee
CheckLogic Image PC $775.00 Purchase (if applicable)

ATM/Debit Card Fees

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.

ACH Origination

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

Loan Fees

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).

Service Fees

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.

Shared Branch

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.

Gift Cards

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.