Schedule of Fees

Community Choice Credit Union operates under the philosophy of keeping our fees as low as possible. As a member-owner of CCCU, we want you to have affordable access to the financial services you want and need.

As of September 1, 2021

Savings

Closing account open less than six months
$20.00
Overdraft transfer to checking for ACH/draft
$5.00/ea
Check cashing for member with less than $100 savings balance, age 23+, with no other account relationship
$5.00/ea
Inactive account* fee
$5.00/mo

* If you are age 21 or older with a balance $200 or less in a membership savings account, and with no activity of the prior year, you will be accessed a monthly fee.

Share Draft/Checking

Balance checkbook

$20.00†/hr

Check copy (requested via Credit Union)

$3.00/ea

NSF honored items

$10.00/ea

NSF returned items

$10.00/ea

Stop payment per item/block of checks

$20.00†/ea

Visa® Debit Card

ATM balance inquiries

$1.00/ea

ATM cash withdrawals

6 free/mo, $1.50/each thereafter

ATM deposits

No Charge

Copy of sales draft

$5.00†/ea

Point of sale transaction

No Charge

Replace lost or stolen card

$5.00†/ea

Replace damaged card

$5.00†/ea

Replace Image (first image is free)

$5.00†/ea

Stop payment

$20.00†/ea

Online Banking

Account history statement request

No Charge

Check copy

No Charge

Stop payment per item/series

$20.00†/ea

VISA® Credit Cards

Annual fee

$0.00

Balance Transfer fee

2%

Cash Advance

3.0% or $5.00 (whichever is greater)

Late fee

$29.00

Return check fee

$29.00

Sales draft copy fee

$5.00/ea

Statement copy fee

$5.00

Replace lost, stolen or damaged card

$5.00†

Stop payment (VISA cards only)

$20.00†/ea

General Services

Account research

$20.00‡/hr

Cashiers check

$5.00

Check collection

$25.00/ea

Copy of past statement (requested via Credit Union)

$5.00/ea

Extra copies of 1099 or W2-P

$5.00

Paper statement fee

$2.00/ea*

Garnishments/levies

$25.00

Gift Card

$4.00

Money orders

$1.00/ea

Return deposit item

$10.00‡/ea

Return mail

$5.00/mo

PayBreak – up to 30 days (loans are subject to loan officer approval – limited to three in a 12 month period: maximum of 5 times in life of closed loan)

$25.00

Subordination agreement (for financial institution other than CCCU)

$200.00

* Members under age 18 or seniors 60+ are exempt

Safe Deposit Boxes

3 x 5 x 22

$25.00/yr

5 x 5 x 22

$30.00/yr

3 x 10 x 22

$45.00/yr

5 x 10 x 22

$55.00/yr

10 x 10 x 22

$95.00/yr

Lost key

$25.00

Drill box

See Department

Wire Transfers

Sending domestic

$20.00/ea

Sending international

$40.00/ea

Incoming

$10.00/ea

ACH

Stop payment ACH

$20.00‡/ea

Originate ACH debit from Credit Union

$2.00/item/mo

NSF honored items

$10.00/ea

NSF returned items

$10.00/ea

Coin Counting

Coin Counting

No Charge

† Sales tax is applicable
‡ Taxable if related to share draft account

Service fees and changes are subject to change as per Credit Union policy. Service charges and fees may be subject to 6% sales tax. We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from a dividend-bearing account other than a time deposit, or from any other savings account.