| Christian Financial Credit Union Fee Schedule |
| ATM/Debit Associated Fees |
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| ATM/Debit Replacement Card Fee |
$5.00 |
| ATM/Debit Replacement PIN Fee |
$5.00 |
| Non-CO-OP Network ATM Cash Withdrawal |
$1.75 |
| ATM P.O.S. (PIN initiated purchase) |
FREE |
| Select Check Card purchase (Non-PIN initiated purchase) |
FREE |
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| Checking Associated Fees |
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| Classic Checking Monthly Maintenance Fee |
$4.50 |
| Fusion Checking Monthly Maintenance Fee (members age 18-22) |
No Charge |
| Club Elite Checking Monthly Maintenance Fee (members age 62 and older) |
No Charge |
| Select Checking Monthly Maintenance Fee |
No Charge*
(*If account does not meet required criteria during a monthly period, a fee of $7.50 will be charged per month until criteria is met.) |
| E-Checking Monthly Maintenance Fee |
No Charge*
(*Must have Free E-statements to qualify) |
| Small Business Checking |
No Charge* (*$500 minimum balance and 20 free transactions per month. If account falls below $500, a $10 fee will be assessed on the account. Excess transactions subject to a $0.20 per item fee.) |
| CF Business Advantage Checking (Balance $25,000 +) |
No Charge* (*500 free transactions per month. Excess transactions subject to a $0.20 per item fee.) |
| CF Business Advantage Checking (Balance $15,000 - $24,999.99) |
No Charge* (*350 free transactions per month. Excess transactions subject to a $0.20 per item fee.) |
| CF Business Advantage Checking (Balance $7,500 - $14,999.99) |
No Charge* (*175 free transactions per month. Excess transactions subject to $0.20 per item fee.) |
| CF Business Advantage Checking (Balance $2,500 - $7,499.99) |
$5.00 per month* (*100 free transactions per month. Excess transactions subject to $0.20 per item fee. If balance drops below $2,500 a fee of $10 per month will be charged.) |
| Classic Business Checking |
$10 per month* (* No minimum balance. 150 free transactions per month. Excess transactions subject to a $0.20 per item fee.) |
| Non-Profit Business Checking |
No Charge ( No Minimum Balance, No Monthly Fee, No Monthly Transaction Limits or Per Item Fees) |
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|
| E-Z Pay Plus and E-Z Pay Business Associated Fees |
|
| E-Z Pay Plus with E-Checking |
FREE |
| E-Z Pay Plus without E-Checking |
$3.00 per month for 10 transactions, $.40 each additional transaction |
| E-Z Pay Business |
$9.95 per month for 20 transactions, $.40 each additional transaction |
| E-Z Pay Business Pay As You Go |
No Monthly Fee, $1.00 per transaction |
| E-Z Pay Business for CFCU Select Employee Groups |
No Monthly Fee, $.30 per transaction |
| E-Z Pay Plus (no monthly fee) Inactivity Fee (No activity for 3 months) |
$3.00 per month - If member inactive for an additional 3 months, member unenrolled in product
|
| E-Z Pay Plus (with monthly fee) Inactivity (No activity for 3 months) |
Member unenrolled in product |
| E-Z Pay Business Inactivity (No activity for 3 months) |
Member unenrolled in product |
| Written Merchant Correspondence |
$10.00 each |
| Proof of Payment Not In Dispute |
$10.00 each |
| Payment Cancelled After Cut-off Time |
$7.50 each |
| Payments Returned Due to Member Error |
$10.00 each |
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| Credit Union Service Fees |
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| Draft Printing Fee |
Varies |
| Copy of a Draft (each) |
$3.00 |
| Counter Check |
$2.00 - Members 62 and older get 1 free per day |
| Traveler's Cheques - One Signature (increments of $100.00) |
$1.00 |
| Traveler's Cheques - Two Signature (Increments of $100.00) |
$1.50 |
| Traveler's Cheques - Members 62 and older - One Signature |
FREE |
| Traveler's Cheques - Members 62 and older - Two Signature (increments of $100.00) |
$0.50 |
| Money Orders |
$2.00 |
| Money Orders - Members 62 and older |
FREE |
| Account Reconciliation (per hour) |
$20.00 |
| Stop Payment - Draft |
$20.00 |
| Stop Payment - ACH Transactions |
$20.00 |
| Wire Transfer - Outgoing (Domestic) |
$15.00 |
| Wire Transfer - Outgoing (International) |
$25.00 |
| Registry Service One Time Set-Up Fee |
$10.00 |
| Garnishment/Levy Processing Fee |
$40.00 |
| Health Savings Account Set Up Fee |
$20.00 |
| Statement Copies |
$2.00 |
| Statement fee to U@Home Users who are not enrolled in E-Statements |
$2.00 per month |
| Returned Mail |
$2.00 per piece |
| Dormant Account Fee -per quarter (An account is considered dormant if no activity, with the exception of dividends, has occurred and the balance falls below $50.00) |
$5.00 |
| Negative Account Fee for accounts negative 14 days or more |
$0.50 per day |
| Check Cashing Fee |
$5.00
(No fee charged if member has $300.00 in savings, has another product, has relationship on qualified account, or if age 18-22 or 62 and older) |
| Account Opening Fee |
$5.00 |
| Account Closure Fee |
$5.00 |
| Non-Member check cashing fee for CFCU checks over $50. |
$5.00 |
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|
Transfer Fees (System Generated)
The fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means.
|
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| From a Savings Product to Classic Checking (6 free per month) |
$3.00 |
| From a Savings or Overdraft Loan to Select Checking Account |
$3.00 |
| From a Savings or Overdraft Loan to E-Checking Account |
$2.00 |
| Courtesy Pay Fee |
$24.00 |
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| ACH Originiation Fees (Self-Initiated and Online) |
|
| Transfers In to CFCU (EZ-In) |
$3.00 |
| Transfers out of CFCU (EZ-Out) |
$3.00 |
| Sell-It Payment System |
$3.00 |
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| Returned Items/Non-Sufficient Funds Fees |
|
| Returned Deposited Item |
$15.00 |
| Non-Sufficient Funds - Draft |
$24.00 |
| Non-Sufficient Funds - Debit Card Transaction |
$24.00 |
| Non-Sufficient Funds - ATM Withdrawal |
$24.00 |
| Non-Sufficient Funds - ATM Card Purchase |
$24.00 |
| Non-Sufficient Funds - EZ Pay Plus/Business Online Bill Payment |
$24.00 |
| Non-Sufficient Funds - Preauthorized (EFT, ACH) Withdrawals |
$24.00
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