Fee Schedule Effective 7/1/2023
All rates and fees are subject to change.
| ATM Deposit Adjustment Fee | $6.60 |
| ATM Foreign Inquiry / Share Transfer Fee (non-CO-OP ATMs) | $0.28 |
| ATM Foreign Transaction Fee (non-Freedom/CO-OP ATMs) | $2.20 |
| Automatic Share Transfer Fee (up to 6 per month) | $11.00/ea. |
| Bad Address Fee | $11.00/mo. |
| Card Replacement Fee | $5.00 |
| Card Express Mail Order Fee | $33.00 |
| Check Collections: Domestic | $16.50 |
| Check Collections: Foreign | $33.00 |
| Coin Exchange Fee | 5% of total |
| Copy of Check / Draft / Statement (each) | $5.50 |
| Credit Card Classic Mastercard Annual Fee | $20.00 |
| Credit Card 2nd Chance Mastercard Monthly Partic. Fee | $5.00 |
| Credit Card Express Order Fee | 33.00 |
| Credit Card Emergency Card Replacement Fee | $50.00 |
| Credit Card Retrieval Request Fee | $11.00/ea. |
| DMV Fee | $82.50 |
| Early Account Closure Fee (within 90 days) | $27.50 |
| Excessive Share Withdrawal Fee (over 6 per month) | $20.00 |
| Fresh Start Checking Fee (assessed the last day of the month) | $16.50/mo. |
| Inactive Account Fee (after 12 months) | $5.00/mo. |
| IRA Annual Fee (Traditional/Roth) | $25.00 |
| IRA Annual Fee (Coverdell) | $25.00 |
| Legal Processing / Account Research (1 hr minimum) | $55.00/hr |
| Levy/Garnishment Fee | $75.00 |
| Lien Release Fee | $25.00 |
| Minimum Balance Fee | $5.50/mo. |
| Money Market Excessive Withdrawal Fee (over 6 per month) | $20.00 |
| Money Orders | $2.20/ea. |
| Negative Balance Fee (assessed 2nd business day) | $20.00/occurrence |
| Non-Sufficient Funds Fee (NSF) (each time an item is presented for payment) | $38.50 |
| Non-Member Check Cashing Fee | $5.50 |
| Overdraft Fee (see Courtesy Overdraft) (each time an item is presented for payment) | $38.50/item |
| Payment Deferral/Extension Fee (based on approval) | $39.00 |
| Perks Checking Monthly Fee | $5.00 |
| Returned Item Fee | $38.50/item |
| Safe Deposit Boxes | |
| 3 x 5 Box | $25.00/yr |
| 3 x 10 Box | $35.00/yr |
| 5 x 10 Box | $50.00/yr |
| 10 x 10 Box | $75.00/yr |
| Trip Charge (for vendor to come onsite to Austin Branch) | pass thru |
| Safe Deposit Box Drill (per box) | pass thru |
| Lost Safe Deposit Key and Lock Replacement | pass thru |
| Stop Payment Fee (personal checks/Freedom checks/EFT) | $38.50 |
| Temporary Checks (8) | $11.00 |
| WestStar / Teller Checks | $5.50/ea. |
| Wire Transfers Incoming | Free |
| Wire Transfer Fee - Outgoing Domestic | $27.50 |
| Wire Transfer Fee - Outgoing Foreign (outside the U.S.) | $55.00 |