Schedule of Fees and Charges
Fee Schedule
Effective Date: Tuesday, September 15th, 2026
| Item | Fee |
|---|---|
| Savings & Checking Account Fees | |
| Returned Deposit Item | $33.00 |
| Nonsufficient Funds - each transaction | $33.00 |
| Overdraft - each paid | $33.00 |
| Automatic Overdraft Protection Transfer | $5.00 |
| Stop Payment | $30.00 per item |
| Stop Payment Release | $5.00 per item |
| Copy of Check/Deposit | $5.00 per copy |
| Check Cashing Fee (may be waived depending on account relationship) | $10.00 |
| Subordination Fee | $100.00 |
| Garnishments | $35.00 setup, $2.00 per payment |
| Account Research | $20.00 per hour, $20.00 min |
| Account Reconciliation | $20.00 per hour, $20.00 min |
| Account Activity Printout (current month) | $1.00 per page |
| Statement Printout | $6.00 per statement |
| Mailed Paper Statement | $6.00 per statement |
| Account Closed Within 90 Days of Opening | $35.00 |
| Low Balance Fee** | $5.00 per month |
| Dormant Account Fee*** | $5.00 per month |
| Monthly Service Fees | |
| Freedom Checking (waived with aggregate average daily deposit balance in your Account(s) at least equal to $300) | $5.00 per month |
| Gem City Checking (waived with aggregate average daily deposit balance in your Account(s) at least equal to $10,000.00) | $7.00 per month |
| TrailBlazer Checking (beginning with the first anniversary of your Account) | $5.00 per month |
| ATM/Debit Card Fees | |
| Lost/Stolen ATM/Debit Card Replacement Fee (1 free per year) | $15.00 |
| Lost/Stolen ATM/Debit Card Replacement Rush Fee | $50.00 |
| Replace Inactive ATM Card (not used in 6 months) | $15.00 |
| ATM Transactions - non-Treadwell ATMs (first 4 free per month) | $3.00 each |
| Miscellaneous Fees | |
| Money Orders | $3.00 |
| Cashier's Checks | $5.00 |
| Wire Transfer - Incoming | $25.00 |
| Wire Transfer - Outgoing | $25.00 |
| Fax - First Page | $2.00 |
| Fax - Second Page or More | $1.00 per page |
| Photocopy | $0.05 per page |
| Incorrect Address | $5.00 |
| Counter Checks (4 per sheet) | $4.00 per sheet |
| Teller Assisted Telephone Transactions & Inquiries | $2.00 per request |
| *For all Accounts (except checking Accounts), during any calendar month, you may not make more than six withdrawals from or transfers to another Credit Union Account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If you exceed these limitations, your Account may be subject to closure by the Credit Union. ** Less than $500.00 average daily balance in primary share account without a loan, credit card or other savings/checking/ certificate account (waived for those age <23 or >70). *** An account is considered dormant if for one year no withdrawals or deposits have been made to the account and the account balance is less than $300.00 (fee waived if member is less than 18 years old). | |