Schedule of Fees & Charges

Savings/Checking

Minimum Account Balance$5.00 (membership stake)
Account Closure$5.00 within the first 6 months
Non-Sufficient Funds$15.00   
Overdraft Protection*$15.00   
Certified Check Stop Payment$25.00 plus tax
Draft/ACH Stop Payment$25.00 plus tax
Bill Pay Stop Payment$25.00 plus tax
Check copy$3.00 plus tax (free through online banking)

ATM/Debit

Monthly FeeNONE
Transaction Fees10 free/$1.00 each after
Temporary Card$10.00 (free w/ new checking account)
Replacement Card$10.00
Point of Sale TransactionsFREE
Debit Card Overdraft Protection (Opt-In)*$15.00 (no fee for transactions $5.00 or less)
Empty Envelope Deposit (ATM)$25.00

Deposited Check Returns

Written by Member$15.00
Written to Member from Other$15.00

Domestic Wires

Incoming$6.00
Outgoing$20.00
International$45.00

Miscellaneous

ACH Inquiry Fee$2.00
Certified Check$2.00
Member Check To Teller Check$25.00
Statement Copy$1.00 per month
ShredFree – 2 boxes per month
Account Research$35.00 per hour
Incorrect Address $5.00 per month
Inactive/Low Balance** $10.00
Notary ServiceFREE
Signature GuaranteeFREE (Members only)
Check CashingMembers/Non-Members(17 and under exempt)Less than $100.00 – Free
$100 – $500.00 – $5.00
More than $500.00 – 1% of the check amount
Maximum of $20.00
Garnishments/Levies$25.00 or legal limit
Child Support Levies$10.00 or legal limit
Phone Transfers$2.00
Phone Balance Inquiries$2.00
AffinityLine Voice BankingFREE
Online BankingFREE
Bill PayFREE
Affinity MobileFREE
Mobile Check DepositFREE

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 BoxBilling Cost

MasterCard®

Onyx/Platinum MasterCard®No Annual Fee
Share SecuredNo Annual Fee
Balance TransfersFREE
Late PaymentsUp to $10.00  
Returned PaymentsUp to $25.00
Cash Advances$1.00 each at ATM
Foreign Transaction1% of transaction in U.S. dollars

Electronic Loan Payments

Credit/Debit Card Payment Convenience Fee

Loan Payment Amount:
Less than $300.00$10.00
$300.01 to $500.00$15.00
$500.01 to $700.00$20.00
More than $700.00$30.00

*This fee is imposed when a transaction overdraws your account, created by checks, ATM withdrawals, or 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 1 year and less than a $100 account balance. This fee will not be applied to memberships with an active loan or credit card.

The maximum overdraft protection benefit is $1,500 for eGreen checking and $750 for classic checking, including any associated fees. Each item paid by overdraft protection will be charged a $15.00 fee. If the overdraft protection limit has been exhausted, any items attempting to clear the account will be returned as insufficient. In addition, if a loan is delinquent, overdraft protection 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 overdraft protection suspension until the account is brought to a positive balance.