Fees Schedule
| Account Fees | |
| Membership Fee | $10 non-refundable |
| Inactive Share (01) | $15 per quarter |
| Fee charged for six or more months of inactivity over the age of 16 and account balance under $100. | |
| Maintenance / Returned Mail | $5 per month |
| Fee charged if no current address on file or postal service notifies CU of address change through forwarding order. | |
| Checking Account (75/76) | $5 per month |
| Fee charged if Average Daily Balance falls below $500. Anyone under age 22 exempt from checking fee. | |
| Inactive Checking Account (73/74/75/76/77) | $10 per month |
| Fee charged for 6 or more months of inactivity, account balance under $100, and no active Certificate of Deposit or Loan Accounts. | |
| Spark Checking (73) | $10 per month if account requirements are not met |
| Account requirements per month are: 10 or less checks cleared/presented, Web Account Access, E-Statements, an active VISA Debit Card, and a total direct deposit of $700 or more. There is a 60-day grace period after the account opening to establish all account criteria. | |
| Excessive Withdrawal Fee (MMA 79) | $15 if over 6 withdrawals in a calendar month |
| Stop Payment Fee | $25 per request |
| Check Copy | $3 per item |
| Counter Checks | $0.25 per check / $1 per page |
| Non-sufficient Fee | $30 per item |
| (Check/ACH/Debit/ATM/Bill Pay) | |
| Courtesy Pay Fee | $30 per item |
| (Debit/ATM/Bill Pay) | |
| Overdraft Privilege Fee | $30 per item |
| (Check/ACH) | |
| Overdraft Transfer | $5 per transfer |
| Web Bill Pay | $10 per month |
| Fee charged if the service is not used for 60 days or more. | |
| Inactive IRA | $10 per year |
| Fee charges for any IRA account with an Average Daily Balance of less than $500 and no transaction activity for two calendar years. | |
| Checking Account Paper Statements | $3 per month |
| Fee charged for members between the ages of 18-65 and receiving paper statements for checking accounts. | |
| Credit Union Fees | |
| Account Reconciliation & Account Research | $25 per hour; minimum charge 1 hour |
| Collection Item - Domestic or International | $25 per item |
| Deposit or Payment Item Return | $10 per item; $25 per item for member's personal check drawn on another financial institution |
| Outgoing Wire Transfers | |
Domestic |
$20 per wire transfer $50 per wire transfer |
| Visa Gift Cards | $3 per card |
| (See the Gift Card Terms and Conditions disclosure for additional fee details) | |
| Tax Levy and Garnishment Processing | $50 per occurrence |
| Money Orders | $3 per money order |
| Third Party Payee Checks | $5 per check |
| Loan Document / Statement Copy | $5 per page |
| Payment by Phone | $5 per payment |
| Home Equity Subordination | $100 per request |
| Collateral Filing | $35 per loan |
| Skip a Payment / Loan Extension | $25 per loan |
| Loan Modification | $100 per loan |
| History Printouts | $3 per statement cycle |
| ATM Transaction | $2 per transaction if more than 5 withdrawal transactions are made in a calendar month |
| ATM or Debit Card / PIN Replacement | $10 per card / $5 per PIN change |
| Rush order for Debit Card | $45 |
| Copy of Sales ticket for Debit Card transaction | $5 |
| Document Delivery | |
First or Priority Overnight |
$50 $35 $20 $20 $10 |
| Check Cashing | |
Non-Credit Union check cashed with total savings |
$5 $3 |
| Coin Machine Deposits (Douglasville & Tucker Offices Only) | |
Members |
No Transaction Fee 8% Transaction Fee |
