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.

Effective April 15, 2013

Savings

Closing account open less than six months	$20.00
Overdraft transfer to Checking for ACH	$5.00 each
Inactive account fee (Regular share accounts with less than a $200 balance, with no activity for the prior year, no other account relationships, and age 21 or older shall be subject to a monthly fee.)	$5.00/month

Share Draft/Checking

Balance checkbook	$20.00*/hour
Check copy (requested via Credit Union)	$3.00 each
NSF honored items	$30.00 each
NSF returned items	$30.00 each
Overdraft transfer from savings for a draft	$5.00 each
Stop payment per item/block of checks	$20.00* each
Temporary checks	0.50 each (minimum of 4)

Money Market Accounts

• Minimum of $10,000.00 deposit to open the account
  $5.00 fee for withdrawals/transfers over 6 per month (starting with 7th) whether they are Regulation D transactions or not. (Regulation D transactions are defined below.)
• $5.00 charge each time the account balance falls below $10,000.00 and $5.00 for each
  subsequent withdrawal when the balance is less than $10,000.00
• $250.00 minimum withdrawal amount. Withdrawals less than $250.00 are allowed but $5.00 will be charged for each.
• NSF items, stop payment fees will be charged as per credit union fees disclosure
  
  Regulation D Restrictions
  
  Limited to 6 transactions per calendar month (any combination of the following):
  
  1. By preauthorized transfer to a third party
  2. By preauthorized payment to a third party (ACH)
  3. By preauthorized transfer to a member’s non-loan account (e.g. Christmas Club,
  Vacation, etc.)
  4. Transfer through home banking
  5. Transfer TouchTone Teller
  6. Transfer request by telephone
  7. Transfer request by fax
  8. Transfer request by e-mail
  
  Community Choice Credit Union reserves the right to refuse any withdrawal or transfer request which is attempted by any method not specifically permitted which is greater in number than the frequency permitted, or which is for an amount less than $250. Should we honor a nonconforming request, repeated abuse of the stated limitations may cause the account to be closed. We reserve the right to require at least seven (7) days notice before any withdrawal or transfer. (We do not now require such notice and will uniformly apply it to all money market accounts if we require it in the future).

VISA® CheckCard

ATM Balance inquiries	$1.00 each
ATM Cash withdrawals	6 free/$1.50 each
ATM Deposits	N/C
Copy of sales draft	$5.00* each
Point of sale transaction	N/C
Replace lost or stolen card	$5.00* each
Replace damaged card	$5.00* each

Stop payment

$20.00* each

Online Banking

Account history statement request	N/C
Check copy	N/C
Stop payment per item/series	$20.00* each

Bill Payer for Natural Person Members: Available to members at no cost if the following conditions are met: ~Member has an active checking account. ~Member has a VISA check card with the credit union. *Members who do not qualify monthly as required will be charged a fee of $5.65 for that month. The fee will be deducted first from the checking account and secondary from any other deposit account where funds are available.

VISA®, VISA® Platinum and MasterCard®

Annual fee	No annual fee
Late fee	$15.00
Over limit fee	$15.00
Return check fee	$30.00
Sales draft copy fee	$5.00 each
Statement copy fee	$5.00
Replace lost, stolen or damaged card	$5.00*

Stop payment (VISA cards only)

$20.00* each

General Services

Account research	$20.00**/hour
Amortization schedule	$2.00 each
Cashiers check	$3.00
Check collection	$25.00 each
Current transaction summary (requested via Credit Union	$3.00 each
Copy of past statement (requested via Credit Union	$5.00 each
Extra copies of 1099 or W2-P	$5.00
Fax
Local	$3.00 + $1.00 each add'l page
Long Distance	$5.00 + $1.00 each add'l page
Garnishments/levies	$25.00
Money orders	$1.00 each
NADA book value copy	$5.00 each
Return deposit item	$10.00**
Return mail - 1st month no charge	$5.00/month, 2nd month on (effective 12/1/12)
Convenience fee (for loan payments made by Visa/MC/Discover via phone or Internet)	$20.00 per payment
Safe deposit boxes
3 x 5 x 22	$18.00 per year
5 x 5 x 22	$22.00 per year
3 x 10 x 22	$35.00 per year
5 x 10 x 22	$45.00 per year
10 x 10 x 22	$85 per year
Lost key	$15.00
Drill box	see Department
Skip a Payment - up to 30 days (Loans and credit cards are subject to loan officer approval- limited to twice in a 12 month period; maximum of 4 times in life of closed in loan)	$25.00
Subordination Agreement (for financial institution other than CCCU.)	$200.00
Wire transfers
Sending domestic	$15.00
Sending international	$30.00

ACH

Stop payment ACH	$20.00** each
Originate ACH debit from Credit Union	$2.00/item/month
NSF honored items	$30.00 each
NSF returned items	$30.00 each

Coin Counting

$0 - $499.99	N/C
$500 + up	1% of amount

*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 as defined by Regulation D