Fee Schedule

Every CENT Counts

Note: All fees subject to change.

DescriptionFee of Limit Amount
Cleared Check Copy$2.00/item*
iBanking Cleared Check CopyFree
NSF Cleared Item (ACH, Share Draft, ATM, Debit)$30.00/item*
NSF Returned Item (ACH, Share Draft, ATM, Debit)$30.00/item*
Postdated Item$25.00/ea
Stop Payment/Revoke (ACH, Share Draft)$25.00/request
Account Closed for Abuse$25.00
Overdraft Transfer for ACH/Checks$2.00/ea*
Closing Account Open Less than Six Months$25.00
Billpay Stop Payment$25.00/item
Billpay Payment Photocopy$10.00/item
Debit Card Replacement Fee -Regular$15.00
Debit Card Replacement Fee- MyPic Card$20.00
Item Returned$10.00/item*
Point of Sale Purchases (after first 5/month)$0.50/purchase
ATM Withdrawals (after first 5/month)$0.50/ea.
ATM Card Replacement (Lost)$10.00
Visa® Prepaid Debit Card (Purchase)$10.00
Visa® Prepaid Debit Card (Reload)Free
Visa® Gift Card$5.00
Items Sent for Collection$20.00/item
Collection Fee$20.00
Legal Process (Garnishment, Subpoena, etc.)$25.00/item
Previously Mailed Paper Statement Copy$5.00/month
Account Research (minimum 1 hour)$25.00/hour
Statement Reconciliation (minimum 1 hour)$25.00/hour
Wire Transfer (incoming)$10.00/each
Domestic Wire Transfer (outgoing)$20.00/each
International Wire Transfer (outgoing)$40.00/each
Cashier’s Check$5.00/check
Empty Envelope Deposit$25.00/deposit
Non-Member Check Cashing$5.00/check
Bad Address (returned statement)$5.00/each
Inactive Account Fee**$25.00
Loan Skip-a-Payment***$25.00
Safe Deposit Box Replacement Key$15.00
Safe Deposit Box Vault DrillingCost + $50.00
Phone Cash AdvanceAdvance Amount + $10.00

* Sales Tax As Applicable

** An account is deemed inactive if within the last 12 months:

  • The member has not increased or decreased the amount of deposit in the account;
  • The member has not corresponded in writing with the credit union concerning the account; and
  • The member does not have another relationship with the credit union such as a loan or time share certificate.

*** Loan Skip-a-Payment must be accompanied with a letter of explanation submitted through the Contact Us page or emailed directly to loans@centcu.org. Maximum of one approved Loan Skip-a-Payment per year.