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Credit Card Agreement & Disclosure

Regulation E & NCUA's Truth-in-Savings Regulation

Important Information About Procedures for Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. 

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. 

Fee Schedule

Effective Date: 5/1/2017

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Type Fee
Replace Lost/Stolen/Damaged ATM Card $10
ATM Overdraft $30 
Transaction Fee (withdrawal, transfer, or inquiry) at STAR® ATMs $1 
Transaction Fee (withdrawal, transfer, or inquiry) at ATMs Up to $2 
Money Order ($1,000 limit) $2 
Certified Check $10 
Cashier's Checks $5 
Deposited Checks (and other items) returned unpaid Up to $20 
Garnishments $50 
Executions & Levies $2 or maximum allowed by state law 
Privilege Pay – Each discretionary paid1 $30 
Overdraft – Each overdraft paid2  $30 
Stop Payments (each)3 $30 
Non-Sufficient Funds Check (each) $30 
Overdraft Line of Credit ($100 increments)  $5 per advance 
Share Transfer Fee ($100 increments)  $5 per overdraft transfer 
Convenience Fee (over the phone loan payments)  $10 
Inactive Account4  $10 
Participation Fee5 $5 
Computer History Printout (per page) $2 
Account Research $20 per hour (1 hour minimum) 
Account Balancing Assistance $20 per hour (1 hour minimum)
Statement Copy (each) $5
Copy of Check (per copy) $5 
Collection Item (incoming) $5 
Collection Item (includes foreign currency items) $20 
Outgoing Wire Transfers $25 – $60 
Incoming Wire Transfers $20 – $70 
Re-open Account within 6 Months of Closing $25 
Close Account within 6 Months of Opening $5 
Check Printing Depends on style ordered 
Rejected Check6 $3 
Return Mail $5 
Coin Machine Fee Members: 5% of total coin
Non-Members: 10% of total coin

1Privilege Pay fee may be imposed for transactions conducted via check, in-person draft presentment, ACH or recurring debit card transactions.

2Overdraft fee may be imposed for ATM or debit card transactions. You must opt in to this service.

3Single ACH debit/check stop payments are effective for six (6) months and must be renewed for an additional fee.

4Monthly fee applied to single service accounts with less than a $100 balance and no activity for six (6) months.

5Monthly fee applied to share accounts with less than a $100 avg. monthly balance, no personal or mortgage loan and no credit card. Applies to members age 21 and older whose account open date is at least 30 days ago.

6If checks are purchased from vendor other than the Credit Union, the Credit Union may reserve the right to reject each check and charge a fee for each rejected check.

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