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Schedule of Fees
Fee Schedule effective 6/30/2015
Fees are per item unless specified. Please contact Member Services for more information.
| Automated Services | |
| Web Teller (account access and transfers online) | FREE |
| Phone Teller (account access and transfers by phone) | FREE |
| Online Bill Pay (set up and manage thru Web Teller; manage thru Phone Teller) | FREE w/ qualified checking accounts |
| eStatements or Statements by Mail | FREE |
| Scheduled Automatic Transfers (between accounts or loans at Cooperative Federal) | FREE |
| Direct Deposit | FREE |
| Account Fees | |
| New Membership - Adult | $10.00 |
| New Membership - Youth (age 17 and under, or student at school branch) | $2.00 |
| Checking Account - Personal | $3 monthly |
| Checking Account - Small Nonprofit | $3 monthly |
| Checking Account - Business/ Organization | $4 monthly |
| Checking Account - Nonmember | $5 monthly |
| Checking Account - Super Share Checking (Personal & Business/Organization) | FREE |
| Super Share Checking (All) - Below Monthly Min. Balance | $7.50 |
| Savings Accounts (All) | FREE |
| Super Share Savings Withdrawal/Transfer - After 3 free per month | $4.00 |
| Start Over Account Opening Fee ("second chance" account) | $30.00 |
| Inactive Account Fee (6 or more months inactive) | $5 monthly |
| Converting Super Share Checking to Regular Checking | $35.00 |
| VISA Check Card ATM Fee per Withdrawal - Sharenet ATMs are free | $2.00 |
| Re‐open Membership within 6 months of closure | $10.00 |
| Re‐open Checking within 6 months of closure | $10.00 |
| Everyday Services | |
| Money Orders | $1.25 |
| Nonmember Check Cashing (1.75% of value, minimum $3.25; $0.50 for under 18 yrs old) | Varies |
| Teller or Cashier Check | $5.00 |
| Duplicate Statement (Each) from Computer Records | $3.00 |
| VISA Gift Card | $3.00 |
| VISA Everday Spend Card | $7.50 |
| Wire In/Wire Out | $25.00 |
| Western Union | $25‐$45 US $32‐$75 Intnl |
| International Wire Fee | $30-$60 |
| Insufficient Funds (NSF) | |
| Returned Item Per Check/ACH/ECK | $30.00 |
| Unavailable Funds/ Uncollected Charge | $30.00 |
| Courtesy Payment of an Overdraft Item | $25.00 |
| Overdraft Transfer from Savings or Checking | $5.00 |
| Overdraft Line of Credit - Over Limit Penalty | $22.00 |
| VISA Debit Card - Over Limit Penalty | $30.00 |
| Returned Deposit Item | $25.00 |
| Stop Payments | |
| Stop Payment per Draft or Series | $25.00 |
| Additional Presentment of Stopped Item | $5.00 |
| Replacements | |
| Replacement VISA Debit Card | $10.00 |
| Replacement PIN for VISA Debit Card | $5.00 |
| Early Closings/Withdrawals | |
| Early Share Account Closing Fee (within 6 months of opening) | $5.00 |
| Early IRA Account Closing Fee (within 12 months of opening) | $20.00 |
| IRA Transfer | $10.00 |
| Share Certificate or IRA Certificate Early Withdrawal | $25.00 |
| Presentment on Closed Account per item | $30.00 |
| Collections | |
| Collection Item (funds available when item clears; no possibility of return fee) | $28.00 |
| Canadian Collection - US or Canadian Funds (Canadian items only. Regular Funds Availability applies. Fee if returned.) | $5.00 |
| Returned International Collection Item (plus intermediary fees) | $40.00 |
| Miscellaneous Services | |
| Abandoned Property Notice | At Cost |
| Notary Services - Administrative Charge | $2.00 |
| Check Printing Charges | Varies |
| Copy of Check | $5.00 |
| Duplicate Lien Release - Members | $10.00 |
| Duplicate Lien Release - Nonmembers | $20.00 |
| Expedited Mailings | $25.00 |
| Faxing | $2.00 |
| Forward or Return Mail (Each) | $5.00 |
| Legal Processing | $30.00 |
| Manual Posting of ACH Items (per Posting) | $8.00 |
| Photocopy of Item (per Page) - Members | $1.00 |
| Photocopy of Item (per Page) -Nonmembers | $5.00 |
| Protest Letter | $25.00 |
| Research/Reconciliation (per Hour) | $27.50 |
| Return or Reissue of Cooperative Federal Teller Check | $6.00 |
| Safekeeping Fee (deliver checks/cards to Credit Union office instead of home address) | $3.00 |