Account Service Fees

Savings/Checking


Minimum Account Balance

$5.00 (membership stake)

Account Closure

$5.00 within the first 6 months

Non-Sufficient Funds

$25.00

Overdraft Protection*

$25.00

Teller Check Stop Payment

$25.00 plus tax

Draft/ACH Stop Payment

$25.00 plus tax

Bill Pay Stop Payment

$25.00 plus tax

Copy of Check

$3.00 plus tax (free through online banking)

Share Draft Accounts

See disclosures

 

ATM/Debit


Monthly Fee

NONE

Balance Inquiries

$1.00

Transaction Fees

10 free/$1.00 each after

Temporary Card

Free

Replacement Card

$5.00

Point of Sale Transactions

FREE

Overdraft Protection*

$25.00

Empty Envelope Deposit (ATM)

$25.00

 

Deposited Check Returns


Written by Member

$25.00

Written to Member from Other

$25.00

Fraudulent Deposits

$25.00

 

Domestic Wires


Incoming

$6.00

Outgoing

$20.00

International

$45.00

 

Miscellaneous


Certified Check

$2.00

Member Check To Teller Check

$25.00

Statement Copy

$1.00 per month

Shred

Free-2 boxes per month

Account Research

$35.00 per hour

Incorrect Address 

$5.00 per month

Inactive Accounts

$5.00 (No activity within 12 months)

Inactive Accounts** 

$10.00

Notary Service

FREE

Signature Guarantee

FREE (Members only)

Check Cashing

Members/Non-Members

(17 and under exempt)

$0-$99.99-Free

$100-$500.00-$5.00

Over $500.00-1% of the check amount

Maximum of $20.00

If total balance is less than $100.00 with no
additional services

Garnishments/Levies

$25.00

Child Support Levies

$10.00

Phone Transfers

 $1.00

AffinityLine Voice Response

FREE

Online Banking

FREE

 Bill Pay

FREE

Affinity Mobile

FREE

Mobile Deposit

FREE

 

Account To Account Transfers


Incoming

FREE

Outgoing

$2.00

 

Safe Deposit Boxes


3 x 5

$25.00

3 x 10

$40.00

5 x 10

$60.00

10 x 10

$100.00

Key Replacement

$25.00

Drill Box

Billing Cost

 

Prepaid Cards (Gift & Reload)


ATIRAgift® (Gift card)

$3.00 plus tax

ATIRAreload® (Reload card)

$3.00 plus tax

Non-Members (Reload card)

$10.00 plus tax

Click here for terms, FAQ's and additional fees.  

 

MasterCard®


Onyx/Platinum MasterCard®

No Annual Fee

Share Secured

No Annual Fee

Balance Transfers

FREE

Late Payments

Up to $10.00

Returned Payments

Up to $20.00

Cash Advances

$1.00 each at ATM

Foreign Transaction

1% of transaction in U.S. dollars

 

Electronic Loan Payments

Credit/Debit Card Payment Convenience Fee


Loan Payment Amount:

$0-$250.00

$5.00

$250.01-$500.00

$8.00

$500+

$10.00

 

*The fee is imposed for overdrafts created by checks, in-person withdrawals, or by other electronic means.

**Fee will not apply to members under the age of 18. A monthly fee will be assessed on memberships with no activity for 90 days and less than a $100 account balance. This fee will not be applied to memberships with an active loan, credit card or safe deposit box. Effective June 1, 2019.

The maximum benefit for privilege pay is $500, including the fees. Each item paid by privilege pay will be charged a fee of $25.00.* If the privilege pay limit has been exhausted, any items attempting to clear the  account will be returned as insufficient. In addition, if a loan is delinquent, privilege pay will be suspended until the loan is brought current. Whether overdrafts will be paid is discretionary and the credit union reserves the right not to pay. For example, overdrafts with a not in good standing account as well as accounts with irregular deposits or too many overdrafts will not be paid. 30 days are available to bring the account to a positive balance, failure to do so, will result in privilege pay being suspended until the account is brought to a positive balance.