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Online Services

Fee Schedule

Effective Date: August 15, 2016

Checking Accounts

Below Minimum Balance or Requirements Not Met:

Anytime Checking (4 free per month) $2.00/ visit
Relationship Checking* $5.00/ month
Relationship Plus Checking* $12.00/month

Basic Business Checking (Avg. daily balance below $500, 50 items free)

$5.00/month
Premier Business Checking (Avg. daily balance below $3,000, 300 items free) $20.00/month

Value Business Checking (Avg. daily balance below $1,500, 150 items free)

$10.00/month
Items Over the Maximum Limit $.25/item
ACH overdraft  $30.00/item
Counter checks $2.50
Excessive Regulation D Transactions (>6) $30.00
Inactive Checking1  $5.00/month
Non-Sufficient Funds (NSF) $30.00/item
NSF (Overdraft Privilege)    $30.00/item
Returned Check Drawn on Another Bank  $30.00
Returned check Written by 3rd Party $10.00
Stop Payment (in branch or Member Contact Center) $30.00
Stop Payment (in Online Banking) $14.00/item
Uncollected Funds/UCF (Deposits on Hold)  $30.00
Visa Debit Card
ATM withdrawal (non-COFCU machine) $1.00
Transaction Resulting in Overdraft $30.00
Foreign Transaction fee (Calculated in US dollars) 1% of total transaction
Replacement card or PIN $5.00
Photocopy of sales draft $5.00
Online Bill Pay
Same day non-Electronic Payment $19.95
Same day Electronic Payment $14.95
Non-Sufficient Funds (NSF) $30.00/ item
Stop Payment (paid by check) $30.00
Other
Account Reconciliation/Research $25.00/hour
ACH overdraft $30.00/item
Bad Address Maintenance $5.00/month
Deposit/Collection (Foreign Check) $10.00 minimum
Escheatment Processing $50.00
Garnishment/attachment of account  $50.00
Inactive Share Account2 $5.00/month
Dormant Account3 $5.00/month
Levy Against Account $50.00
Official Checks (1 Free per Day) $4.00/check
Debit Card/Overnight Fee $35.00
Statement/Check Copy $5.00
Stop Payment of Official Check $30.00
Stop payment of official check $30.00
Verification of deposit $15.00
Wire Transfer (outgoing)
Domestic $15.00
International $50.00

Disclosures

  • *Monthly checking fee waived: Relationship Checking – Member maintains Direct Deposit or $1,000 average daily checking balance or $5,000 average combined balance in savings & loan; Relationship Plus Checking – Member maintains $10,000 average daily checking balance or $25,000 in loan & savings. Loan balance excludes first mortgages and Federal student loan.
  • 1 Balance less than $100 and no activity one year or more.
  • 2 No other relationship but share account and balance less than $100, and no activity one year or more. Members under 18,Trust, and Custodial accounts excluded.
  • 3 Account with no activity for three years.
  • Fees for Overdrawing Accounts. Fees may be imposed on each check, draft, item, debit card withdrawal, electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance.