Schedule of Fees and Charges |
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| Effective January 31, 2012 |
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| MEMBERSHIP AND TELLER SERVICE |
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ATM CARD SERVICES |
| Membership Fee (one time only) |
$10.00 |
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ATM/Debit Card and PIN |
Free |
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| Reopening of Membership |
$25.00 |
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(For New Accounts) |
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| Membership Account Closed within 90 days |
$25.00 |
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Replacement Card ($25 each after 3rd replacement) |
$10.00 |
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| Monthly Maintenance Fee |
$5.00 |
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PIN Replacement |
$5.00 |
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| There are four ways to make your account free: |
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Deposit Adjustment |
at cost |
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| Free with a Loan** or $1,500+ combined balances* |
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Non-CO-OP ATM Fee |
$1.00 |
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| OR e-Statements† OR Direct Deposit‡ |
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For withdrawals, inquries and transfers outside of the CO-OP Network of ATMs |
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| OR under age 18/over 65 |
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CHECKING ACCOUNT SERVICES |
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Check Printing Charges |
at cost |
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| Teller Check |
$2.00 |
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Starter Checks for New Accounts per sheet |
Free |
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| (Free teller check withdrawals via TARA or Online Banking) |
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With check order per sheet |
Free |
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| Money Orders |
$2.00
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Without check order per sheet |
$4.00 |
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| Return item fee (paper or EFT) |
$29.00
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Photocopy of Cleared check |
$3.00
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| Holiday Saver Withdrawal |
$3.00 |
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Stop Payment (paper or EFT) |
$29.00 |
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| Outgoing wire (domestic) |
$20.00 |
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Special Handling |
$5.00 |
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| Outgoing wire (international) |
$35.00 |
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(checks requiring manual posting, per check) |
| Wire Tracer/Amendments |
$40.00 |
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Automatic Overdraft from Line of Credit or Savings
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$1.00 each
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| Escheat fee (no activity for 3 years) |
$2.00 |
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Reopening Closed Checking Account (on approval)
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$10.00 |
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| Inactive Account fee (No activity for one year) |
$3.00 |
per month |
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| Notary Service |
$10.00 |
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MISCELLANEOUS |
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| Signature Guarantee |
$25.00 |
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Record Recovery/Research (per hour) |
$25.00 |
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| Excessive Saving Account Withdrawal (fee per item after four per month) |
$2.00
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Real Estate Demand |
$36.00 |
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Verification of Deposit |
$10.00 |
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| Return Mail fee (address change from post office) |
$3.00 |
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Legal Processes (subpoena, levy, attachment per hour) |
$20.00 |
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| Copy of Account Statement |
$3.00 |
each |
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Rush orders |
at cost |
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| Mail/Fax fee |
$1.00 |
each |
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| Member requested mailed/faxed receipts, check copies, statements, etc. Large documents, at cost. |
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ELECTRONIC FEES |
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Online Banking
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Free |
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Rolled coin ordered/deposited per roll |
15 cents |
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Bill Payer (Personal accounts) |
Free |
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(Please note: CSLA-FCU will no longer be providing refunds on Coinstar fees)
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Overdraft Advance (per item)
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$29.00 |
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| Payment/Deposit by Phone |
$3.00 |
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One-time ACH Transfer |
$5.00 |
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| Teller assisted payments or deposits made over the phone (does not apply to transfers from your CSLA-FCU checking or savings) |
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(Free for regularly scheduled ACH transfers) |
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† e-Statements users must maintain a minimum balance of $25.
‡ Direct Deposit of full paycheck or benefit check |
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Directo A Mexico Transfer |
$5.00 |
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*Combined balances are the total of all suffixes (checking, savings, certificates, IRA, Holiday saver, etc.) under one account number. ** Loans with balances of $1 or more. Excludes credit cards.
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| BUSINESS SERVICES |
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The monthly maintenance fee for personal accounts does not apply to business accounts,
all other fees above apply |
| Basic Business Checking |
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Business Interest Checking |
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| Minimum opening deposit |
$100 |
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Minimum opening deposit |
$100 |
| Minimum to avoid monthly fee |
$1,000 |
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Minimum to avoid monthly fee
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$5,001 |
| Monthly fee if minimum not met |
$8.00 |
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Monthly fee if minimum not met |
$15.00 |
| Free Transactions |
50
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Free Transactions |
100
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after 50
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.50 ea |
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after 100
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.25 ea |
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| Cash ordered, per $100 |
15 cents |
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Cash ordered, per $100 |
15 cents |
Rolled coin ordered/deposited,
per roll |
15 cents |
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Rolled coin ordered/deposited,
per roll |
15 cents |
| Bill Payer |
FREE |
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Bill Payer |
FREE |
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Minimum to earn dividends |
$10,001 |
Business Savings
FREE with Business Checking |
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| Minimum opening deposit |
$25 |
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| Minimum to avoid fee (without Business Checking) |
$250
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| Monthly fee if minimum not met |
$5 |
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