Fee Schedule

Type Charge
Account History/Verification of Ck $1.00 Per printout/ck
All accounts
Account Reconciliation &/or Research $25.00 Per hour
All accounts

  • Deposit may be required
 Account – miscellaneous
  • $ 5.00 Per occurrence: Closed within 6 months of opening
  • $ 5.00 Per occurrence: Re-opened within 6 months of closing
  • $10.00 Per occurrence: Verification of account-third party request
Balance Below Minimum $20.00 Per occurrence
Money Market accounts

  • $1000.00 minimum required
Cashiers Check
  • $2.00 Per check : to Accountholder, in office
  • $3.00 Per check: to Accountholder, mailed to home
  • $4.00 Per check: to Third party, in office
  • $5.00 Per check: per Court ordered Child/Spousal support
    All accounts
 Check Below Minimum  $20.00 Per itemMoney Market accounts

  • written for less than $200.00
Check Card Overdraft $35.00 Per non ATM, recurring transactions
Share & Sharedraft accounts
Check Card Reinstatement Fee $25.00 Per occurrence
Sharedraft accounts

  • due to non-response to LOC renewal
Check Card Replacement Fee $15.00 Per card
Sharedraft accounts
Check Cashing for NON-MEMBERS $10.00 Per item

  • limited to certain types of checks
Coin rolls $ 1.00 Per event – more than 10 rolls at once
Copy – miscellaneous
  • $ 1.00  Per document copy requested by member – in office
  • $ 5.00  Per check cleared
  • $10.00  Per duplicate IRS reporting form
    All accounts

Paid in advance

Collection Item Incoming $25.00 Per item
All accounts
Deposited Item Return Fee $5.00 Per item
All accounts

  • ADDITIONAL – if not paid within one week
Deposited Item Return Fee $15.00 Per item
All accounts

  • drawn on a third party
Deposited Item Return Fee $40.00 Per item
All acounts

  • drawn on your account at another institution
Deposited Item Return Fee $45.00 Per item
All accounts

  • drawn on your account at another institution
  • amounts over $2500
Dormant Account Fee $10.00 Per quarter
Share accounts

  • with no activity for one year period
Emergency/Starter Checks $4.00 Per sheet of 4
Sharedraft accounts
Excessive Withdrawal (Reg D) Fee $1.00 Per transaction
Share type accounts

  • more than 6 transactions per month
Excessive Withdrawals $20.00 Per item
Money Market accounts

  • over three (3) per month
Gift Card $3.00 Per card
All accounts

  • Visa brand
Issue a replacement Cashier’s Check $30.00 per check, including Bill Pay
All accounts
Loan -miscellaneous
  • $  2.00  Cash Advance fee on non-CIFCU Visa card – per occurrence
  • $  5.00  Loan payoff provided to third party – per occurrence
  • $ 25.00 Cancellation/no-show/reprocessing fee – per occurrence
  • $ 50.00  Reapplication fee if previously denied in past 3 months
  • $ 50.00  Original loan documents not returned within 30 days
  • $ 50.00  Original loan documents not returned each 30 days thereafter
  • $100.00  HELOC subordination –  per occurrence

(Home Equity Lines of Credit when 1st mortgage is refinanced)

Money Order $3.00 Per item
All accounts kare
Non-notification of Address Change $5.00 Per occurrence
All accounts
NSF Check/ACH Debit Paid/Returned $20.00 Per item
Money Market accounts
NSF Check/ACH DR Paid or Returned $35.00 Per item
Share & Sharedraft accounts
NSF Fee $35.00 Per item
Share & Sharedraft accounts
Overdraft Fee $35.00 Per item
Share & Sharedraft accounts
Premature Distributions $30.00 Per withdrawal
IRA accounts
Replacement PIN Fee $5.00 Per occurrence
VISA , Check Cards
Returned Item Fee $35.00 Per item, including Bill Pay
Share & Sharedraft accounts
Same Day Limit Increase $10.00 Per occurrence
Visa credit cards
Statement Copy
  • $5.00 Per statement (within 1 year)
  • $15.00 Per statement (over 1 year but since 6/2011)
  • $20.00 Per statement (prior to 6/2011)
  • Paid in advance

All accounts

Stop Payment Fee $35.00 Per request, including Bill Pay
Share, Sharedraft, & Money Market accounts
Transfer to cover NSF Ck/ACH DR/ATM $10.00 Per transfer
Share, Sharedraft, & Money Market accounts
Transfer/Rollover Fee $30.00 Per transfer
IRA accounts

  • to another financial institution
Visa Late Fee (maximum) $25.00 Per occurrence
Visa credit cards
Wire Transfer Fee
  • $35.00 Per occurrence

Incoming DOMESTIC or INTERNATIONAL wires

All accounts

Wire Transfer Fee
  • $35.00 Per occurrence
  • $20.00 Resend fee – due to incorrect member provided information

Outgoing DOMESTIC wires

All accounts

 

 

 

 

* Share accounts = Savings accounts

Sharedraft accounts = Checking accounts

Fees are subject to change at any time. Rates shown are effective August 1,2014. Disclosures are available upon request.