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)

$20.00/Hour

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

The Share Draft (Checking) Account