Personal Fees
| Checking and Savings (Share) Accounts | Fees |
|---|---|
| Overdraft Items and Returned Items | $28.00 Per Presentment** |
| Stop Payment (Funds Available) | $10.00 Per Item |
| Stop Payment (Funds Not Available) | $28.00 Per Item |
| Photocopy of Check | $1.50 Per Copy* |
| Temporary Checks (One Sheet Free at Account Opening) | $1.00 Sheet of 4 |
| Personalized Checks | Prices Vary* |
| Secondary Checking | $2.95 Per Month |
| Foreign ATM Transaction (ATMs Not in Network) | $1.00 Per Transaction |
| Card Replacement | $10.00 Per Card |
| Transfer or Balance Inquiry at ATM | $0.25 Each |
| Money Order or Official Check | $2.00 Each* |
| Check Cashing Fee (Non-Use of Account) $0 - $500.00 | $2.50 Each |
| Check Cashing Fee (Non-Use of Account) $500.01 - $1,000.00 | $5.00 Each |
| Check Cashing Fee (Non-Use of Account) $1,000.01 + | $10.00 Each |
| Official Checks or Money Orders (Payable to Third Party) | $2.00 Each* |
| Checks Sent for Collection (May Be More for Foreign Items) | $10.00 Each |
| Deposited Items Returned | $10.00 Each |
| Account History Printout | $1.00 Per Page* |
| Statement Copies | $1.00 Per Page* |
| Money Market Share Accounts | Fees |
|---|---|
| Withdrawals Exceeding Three per Month | $10.00 Each Over Three |
| $0 Monthly Fees on Money Market Accounts | Free |
| Additional Services | Fees |
|---|---|
| Xerox Copies (First Five Pages Free) | $0.10 Per Page Over Five* |
| Fax (Outgoing) | $1.00 Per Page* |
| Account Research (Min $40.00 Fee, Copies $0.20 Pg, + Postage) | $40.00 Per Hour |
| Inactive Account (Over 18 Months) | $5.00 Per Month |
| Incorrect Address | $5.00 Per Month |
| Levy, Garnishment, or Subpoena | $50.00 |
| Mortgage Subordination Fee | $100.00 |
| Safe Deposit Box Size 3x5 Annual Rental | $15.00 Per Year* |
| Safe Deposit Box Size 3x10 Annual Rental | $25.00 Per Year* |
| Safe Deposit Box Size 5x10 Annual Rental | $40.00 Per Year* |
| Safe Deposit Box Size 10x10 Annual Rental | $70.00 Per Year* |
| Safe Deposit -- Change Locks or Drill Box | Cost |
| Visa® Gift Card Purchase Fee | $3.50 Per Card |
| Visa® Gift Card Replacement | $5.00 Per Card |
| Domestic Wire Transfer (Incoming/Outgoing) | $10.00 Per Transfer |
| Foreign Wire Transfer (Incoming/Outgoing) | $35.00 Per Transfer |
| Western Union (Outgoing) | $15.00 Per Transfer |
| Free Services | Fees |
|---|---|
| Express Line Telephone Banking | Free |
| Online & Mobile Banking and Bill Pay | Free |
| Online Transfers to Other Financial Institutions | Free |
| Banking Apps with Remote Check Deposit | Free |
| CP CARDCOMMAND Inside Apps (Control Debit & Credit Cards) | Free |
| CP CREDITCHECK Inside Apps (Improve & Monitor Credit Report & Score) | Free |
| Account Alerts and e-Statements | Free |
| Notary Service, Medallion Signature Guarantee | Free |
| Zelle®, the Fast, Safe, Easy Way to Pay People You Know & Trust | Free |
| Surcharge Free ATMs CULIANCE ATM Network | Free |
| Shared Branch Network Access to over 5,000 Branches Nationwide | Free |
| GreenPath™ Financial Wellness & Counseling | Free |
| Cash & Check Deposits at ATMs (Childersburg, Sylacauga, Chelsea, Pell City) | Free |
| $0 Fee for Savings Withdrawals | Free |
| $0 Monthly Fees on Savings Accounts | Free |
| $0 Minimum Deposit on Checking | Free |
| $0 Monthly Fees on Checking | Free |
| $0 Fee for Mailed Paper Statements | Free |
The above fees may be charged to your account(s) as described in the Membership and Account Agreement. *Free or discounted service for New Horizons members. **Re-presented overdraft items may be charged a $28.00 fee per presentment. Federally Insured by NCUA. Private Share Insurance by ESI. Equal Housing Lender. NMLS ID 464059.
Business Fees
| Additional Services | Fees |
|---|---|
| Xerox Copies (First Five Pages Free) | $0.10 Per Page Over Five* |
| Fax (Outgoing) | $1.00 Per Page* |
| Account Research (Min $40.00 Fee, Copies $0.20 Pg, + Postage) | $40.00 Per Hour |
| Inactive Account (Over 18 Months) | $5.00 Per Month |
| Incorrect Address | $5.00 Per Month |
| Levy, Garnishment, or Subpoena | $50.00 |
| Mortgage Subordination Fee | $100.00 |
| Safe Deposit Box Size 3x5 Annual Rental | $15.00 Per Year* |
| Safe Deposit Box Size 3x10 Annual Rental | $25.00 Per Year* |
| Safe Deposit Box Size 5x10 Annual Rental | $40.00 Per Year* |
| Safe Deposit Box Size 10x10 Annual Rental | $70.00 Per Year* |
| Safe Deposit -- Change Locks or Drill Box | Cost |
| Visa® Gift Card Purchase Fee | $3.50 Per Card |
| Visa® Gift Card Replacement | $5.00 Per Card |
| Domestic Wire Transfer (Incoming/Outgoing) | $10.00 Per Transfer |
| Foreign Wire Transfer (Incoming/Outgoing) | $35.00 Per Transfer |
| Western Union (Outgoing) | $15.00 Per Transfer |
| Business Checking Account Types |
|---|
| Silver Checking - for small business accounts with $0 - $5,000 average daily balance |
| Gold Checking - for moderate-sized business accounts with $5,001 - $20,000 average daily balance |
| Platinum Checking - for larger sized business accounts with greater than $20,001 average daily balance |
| Monthly Maintenance Fees | Fee |
|---|---|
| Business Silver | $4.95 |
| Business Gold | $2.95 |
| Business Platinum | $0.00 |
| Transaction Fees | Fee |
|---|---|
| Overdraft | $28.00/Presentment* |
| Returned Item | $28.00/Presentment* |
| Stop Payment (Funds Available) | $10.00 |
| Stop Payment (Funds Not Available) | $28.00 |
| Deposited Item Returned | $10.00/Item |
| Copy of Cleared or Deposited Item | $1.50/Copy |
|
Account Research or Reconciliation (Minimum $40.00 Fee, Copies $0.10/Page, Postage at Cost) |
$40.00/Hour |
| Levy/Garnishment/Subpoena | $50.00 |
|
Business Debit Cards ($10.00 Fee After First Card) |
First Card Free |
| Wire Transfers (Incoming or Outgoing) |
Domestic: $10.00/Transfer Foreign: $35.00/Transfer |
|
Foreign ATM Transaction (Outside CULIANCE ATM Network) |
$1.00/Transaction |
| Transfer/Balance Inquiry at ATM | $0.25 Each |
| Check Cashing (Non-Use of Account) $0-$500.00 | $2.50/Each |
| Check Cashing (Non-Use of Account) $500.01-$1,000.00 | $5.00/Each |
| Check Cashing (Non-Use of Account) $1,000.01-Over | $10.00/Each |
| Money Order/Official Check | $2.00 Each |
|
Checks Sent for Collection (May Be More for Foreign Items) |
$10.00 Each |
| Account History Printout | $1.00/Page |
| Statement Copies | $1.00/Page |
| Xerox Copies (Over Five) | $0.10/Page |
| Fax (Outgoing) | $1.00/Page |
| Inactive Account (Over 18 Months) | $5.00/Month |
| Incorrect Address | $5.00/Month |
| Mortgage Subordination Fee | $100.00 |
| Free Services Include |
|---|
| Express Line Telephone Banking |
| Online & Mobile Banking with Bill Pay |
| Online & Mobile Transfers to Other Financial Institutions |
| Banking Apps with Remote Check Deposit |
| CP CARDCOMMAND Inside Apps (Debit/Credit Card Control) |
| Printed or e-Statements |
| Notary Service, Medallion Signature Guarantee |
| CULIANCE ATM Network (Including Publix Stores) |
| Co-Op Shared Branch Network Over 5,000 U.S. Branches |
|
Cash & Check Deposits at ATMs (Childersburg, Sylacauga, Chelsea, Pell City) |