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® CheckCard
ATM balance inquiries
$1.00/ea
ATM cash withdrawals
6 free, $1.50/ea
ATM deposits
N/C
Copy of sales draft
$5.00†/ea
Point of sale transaction
N/C
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
Visa® Classic/Platium & MasterCard®
Annual fee
$0.00
Cash advance (whichever is greater)
3% or $5.00
Foreign Transaction
1%
Late fee
$15.00
Return payment fee
$27.00
Sales draft copy
$5.00/ea
Statement copy
$5.00/ea
Replace lost, stolen or damaged card
$5.00†/ea
Replace Image (first image free)
$5.00†/ea
Visa® SMART, Unlimited, and Priority Plus Cards
Annual fee
$0.00
Cash advance (whichever is greater)
3% or $5.00
Foreign Transaction (excluding Priority Plus)
1%
Late fee
Up to $29.00
Return payment fee
Up to $29.00
Statement copy
$5.00/ea
Replace lost, stolen or damaged card
$5.00†/ea
Rush Fee
$30.00
Online Banking
Account history statement request
N/C
Check copy
N/C
Stop payment per item/series
$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, 2nd month on
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
Prepaid Visa® Card
$8.95
Prepaid Visa® Card monthly maintenance
$4.95
Prepaid Visa® Card (reload at CU)
$2.00
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
5% 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.