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The Share Draft (Checking) Account

Fee Schedule

Credit Unions typically charge fewer and lower fees than other financial institutions. When comparing credit unions to banks, you could save up to hundreds of dollars each year simply by using your credit union. With help from your credit union, you manage how you earn, spend, and save your money. Don't waste your money on fees you can avoid. 

The following fees may be assessed in connection with your account(s) as described in the Account Agreement:

Checking (Share Draft) Account
Overdraft Protection Transfer $3.00/Transfer
Overdraft $28.00/Item
Returned Item $28.00/Item
Stop Payment (funds available) $10.00
Stop Payment (funds not available) $28.00
Photocopy of Check $1.50/Copy*
Temporary Checks (one sheet of four free at account opening upon request)  $1.00/Four
Personalized Checks Prices Vary
Money Market Savings Account
Excessive Withdrawals/Transfers (after 3 per month) $10.00/Transaction
Debit/ATM Services
Foreign ATM Transaction (at ATMS not in CU24/CU Here or Money Pass Networks) $1.00/Transaction
Card Replacement $5.00/Card
Transfer or Balance Inquiry at ATM $0.25/Each
SpendEasy Pre-Loaded Visa™ Card
Purchase Fee $3.50/Card
Electronic Banking Services
Virtual Branch Online Banking & Bill Pay None
Mobile or Smartphone App Banking None
Account Alerts (by text or email) None
eStatements None
Wire Transfers
Domestic Transfer (Incoming or outgoing) $10.00/Transfer
Foreign Transfer (Incoming or outgoing) $35.00/Transfer
Western Union (Outgoing) $15.00/Transfer
Miscellaneous Fees/Services
Check Cashing Fee 1% of Amount
Notary Service None
Official Check (Payable to third party) $2.00/Each*
Money Order $2.00/Each*
Checks Sent for Collection $10.00
Foreign Item Collection (Only accepted if over $250.00) Varies by Amount
Official Check to Merchant (For on-us check collection) $5.00
Deposited Items Returned $10.00/Item
Copy of Deposited Item $1.50/Copy*
Account Research or Reconciliation
(Minimum one hour + .20/page for copies + postage cost)
Xerox Copies (First 5 pages free) $0.10/Page*
Fax (Outgoing) $1.00/Page*
Account History Printout $1.00/Page*
Statement Copies $1.00/Page*
Return Mail $5.00/Item
Incorrect Address $5.00/Month
Levy/Garnishment/Subpoena $50.00
Inactive Account (After 18 Months) $5.00/Month
Safe Deposit Boxes
Annual Rental size 3x5 $15.00**
Annual Rental size 3x10 $25.00**
Annual Rental size 5x10 $40.00**
Annual Rental size 10x10 (Size 10x10 only available at Sylacauga location) $70.00**
Change Locks or Drill Boxes Cost

Effective as of December 1, 2013. All fees and charges are subject to change. Fees assessed to your account will appear on your account statement.
*No charge to New Horizons Club members upon request.
**New Horizons Club members receive 10% discount on annual rental of safe deposit box. Contact your local branch for more information.

Full Fee Schedule