Fee Schedule

Accounts Fees
New Membership - Adult$10 one-time fee
New Membership - Youth (17 & under) and YouThrive Student Accts.$2 one-time fee
Start Over Savings Account$30 one-time fee
All Super Share Checking Accounts: Below Monthly Minimum Balance$7.50 per month
Converting Super Share Checking to regular Checking$35 one-time fee
Inactive Account Fee (6 or more months inactive)$5 per month
VISA Debit Card ATM Withdrawal FeeIn Network: FREE / Out of Network: $2
Reopen membership within 6 months of closure$10 one-time fee
Reopen checking account within 6 months of closure$10 one-time fee
Monthly Checking Fees
Personal Checking$3 per month / waived with direct deposit*
Small Non-Profit Checking$3 per month / waived with direct deposit*
Business/Organization Checking$4 per month / waived with direct deposit*
Nonmember Checking$5 per month / waived with direct deposit*
*Each of these fees will be waived when there is one ACH deposit to the account in the last 31 days 
Everyday Services
Money Orders$1.25
Check Cashing - MembersFree
Check Cashing - NonmembersVaries (1.00% of value; $0.50 under age 18)
Counter Checks$3 per sheet of 4
Teller or Cashier Check Fee$5
VISA Gift Card$3
Wire In/Wire Out$25 / $25
Western Union US / International$25-$45 / $32-$75
International Wires$30-$60
Debit Card Replacements
Replacement Card (before expiration date - waived for reorder due to fraud)$10
Replacement PIN$5
Prepaid Cards: VISA Everyday Spend
Card Purchase$7.95
Monthly Fee$1.75
Minimum Load$10
Maximum Load$5,000
Reload Fee - Online$0.50
Reload Fee - at Branch$1.50
POS Transactions Fee$0
Daily limit on PIN point-of-sale purchases$1,500
Daily limit on signature POS purchases$5,000
ATM Withdrawal Fee (domestic)$1.50
ATM Transaction Denied fee$0.50
Withdrawal max per ATM transaction$310
Monthly Account Maintenance Feeafter 3 months inactivity$3.00
Reissue Expired Card$3.50
Close card and cash-out all remaining funds$15
Replace Lost/Stolen/Closed card$5.00
Next-day Delivery of replacement card$35
Insufficient Funds (NSF)
ServiceRegular FeesYouThrive Student Accounts
Returned Item Per Check/ACH/ECK*$30Not Applicable
Unavailable Funds/Uncollected Charge*$30Not Applicable
Courtesy Overdraft Payment*$25Not Applicable
Stop Payments
Stop Payment per Draft or Series$25
Early Closings/Withdrawals
Early Savings Account Closing Fee (within 6 months of opening)$5
IRA Account Closing Fee (within 12 months of opening)$20
IRA Transfers$10
IRA/Savings Certificate Early Withdrawal$25
Collection Item, Foreign – Funds available when item clears; no possibility of return fee$28
Collection Item, Canadian (U.S. or Canadian Funds) – Regular Funds Availability applies. Fee if returned. Canadian Items Only.$5
Returned Canadian Collection – Plus intermediary fees.$40
Miscellaneous Services
Abandoned Property NoticeVaries (At Cost)
Notary Services Admin. Fee$2
Check Printing ChargesVaries
Copy of Check$5
Duplicate Lien ReleaseMember: $10 / Nonmember: $20
Expedited Mailings$25
Forward or Return Mail (each)$5
Legal Processing$30
Manual Posting of ACH Items (each)$8
Photocopies (per page)Member: $1 / Nonmember: $5
Protest Letter$25
Research/Reconciliation Per Hour$27.50
Return/Reissue CoopFed Teller Check$6
Safekeeping Fee$3

FREE Services


Self Service Tools

  • Online Banking 
  • Mobile App
  • Mobile Check Deposit (checking accounts only)
  • Online Bill Pay (checking accounts only)
  • Phone Banking (automated phone service)