Savings Accounts
Description Fee/Requirement
Minimum Opening Deposit $25.00 requirement
Regular Share Savings:
No dividends paid on balances less than $100.00		 FREE
Special Savings: Christmas, Vacation, etc FREE
Youth Savings: (17 Years & under) FREE
Account Closing:
Account closed or reopened within 90 days		 $25.00
Dormant Account: (per month)
Minor accounts not included		 $5.00
Excessive Withdrawls: (per item)
(more than 6 a month)		 $2.00

Checking Accounts/Share Draft Account
Description Fee/Requirement
Minimum Opening Deposit for any Checking Product: $50.00 for
Direct Deposit requirement
Free Checking: FREE
Interest Bearing Checking:
Fee applicable only if balance is less than $200.00 monthly		 $5.00
Second Chance Checking: $10.00
Inactive Checking Account:
30 days on no activity 		$5.00
Overdraft Protection from Savings or Loan Product: FREE
Temporary Checks:
12 at Account Opening
Per Sheet with Check Reorder from CMECU
Per Sheet without Check Reorder
FREE
$1.00
$5.00
Reconciliation per hour:
(Minimum of 1 hour)		 $25.00

NSF/ Overdraft and Returned Deposited Items
Description Fee/Requirement
Non-Sufficient Funds Returned $20.00
Non-Sufficient Funds Paid $25.00
Returned Deposited Item drawn on members
account at another financial institution		 $25.00
Returned Deposited Item from another party $15.00

Debit Card Fees
Description Fee/Requirement
Debit Card:
Debit Card Replacement: 2 within 1year		 FREE
$5.00
Debit Card/ATM transaction out of Co-op Network: $1.00

CD/IRA Penalty
Description Fee/Requirement
Early Withdrawal:
(May cause a loss of principal)		 90 days interest OR
$50.00 whichever is greater

Safe Deposit
Description Fee/Requirement
NSF Automatic Batch Transfer: $20.00
Paper Billing Notice: (automatic transfers free) $5.00
Late Payment:
15 days past due date
$15.00
1 Lost Key: $75.00
Drill Box: $150.00

Loan
Description Fee/Requirement
Late Payment on all consumer loan including
VISA Credit Card: (minimum of $1.00)		 5% of payment or $15.00
whichever is less
Late Payment on Home Equity 5% of payment or $15.00
whichever is more
Collection Cost after Right to Cure expires: (per member) Minimum of $ 250.00
Collateral Insurance Add-On: (Non Refundable) $75.00

General Service
Description Fee/Requirement
Check Cashing Fee for Non-Members: 1% or $5.00 whichever is greater
Check Cashing Fee for Members with less than
$100 average balance or loan relationship:
$5.00
Automatic Batch Transfer NSF: $20.00
Online Banking and Bill Pay: FREE
Notary Services: (members only) FREE
Purchase of CMECU Official Check:
1 per day
Additional checks
FREE
$2.00 per ck
Statement Copies:
Internet
Reprint of Full Statement per month
Interim Statement per page
FREE
$5.00
$1.00
Stop Payment on CMECU Official Check: $30.00 and
an Indemnity Bond
Money Order: (per item) $1.00
Stop Payment:
Per Check
Consecutive Block
Check and ACH
$20.00
$25.00
$30.00
Photocopy of Paid Check or Deposit Reconstruction: $3.00 per item
Fax Services:
Local
Long Distance
FREE
$2.00 per page
Gift Card: (per item)
Travel Money Card: (per item)		 $3.00
$5.00
Wire Transfer Service:
Incoming
Outgoing
International
FREE
$20.00
$50.00
Special Rush Delivery: $30.00
Incorrect Address: (per month) $5.00
Special Handling Item per hour: (Citation, Garnishment…etc)
(1 Hour Minimum)
$50.00
VISA International Conversion Fee: Cost to CU
Check Collection Cost:
Domestic
Foreign
$15.00
$30.00
Research/Disputed Item (per hour)
(Minimum of 1 hour)		 $50.00 plus any
cost to CU