For accounts and services
As a not-for-profit credit union, we're often able to eliminate fees. When we can't, we keep them as close to non-existent as we can.
Effective September 15, 2020
CheckONETM
| Fee Type | Fee |
|---|---|
| Monthly Service Fee (No minimum balance required) |
Free |
| CO-OP and Allpoint Networks ATMs | Free |
| ATM Withdrawal Fees, out of Network | $1.00 |
ONE Up Checking
| Fee Type | Fee |
|---|---|
| Monthly Service Fee (Waived, if minimum monthly requirement of direct deposit of $500 or more, eStatement enrollment, and an aggregate of 10 debit/credit card transactions of $5 or more each is met.)1 |
$20 |
| CO-OP and Allpoint Networks ATMs | Free |
| ATM Withdrawal Fees, out of Network (Surcharge Fees, fees accessed by other ATM proprietors, may still apply.)2 |
Free |
1A monthly fee of $20 will be assessed if monthly requirements are not met. The monthly requirements for the ONE Up Account are as follows: (1) Accountholder must be enrolled and receive monthly eStatements. (2) Must receive minimum direct deposit(s) totaling $500 per statement cycle to the ONE Up Account. A qualifying direct deposit is an ACH (Automated Clearing House) automatic electronic deposit of your salary, pension, Social Security or other regular income into your credit union ONE Up Account. Transfers from one account to another, mobile deposits or deposits made at a branch or ATM do not qualify as a direct deposit. (3) A minimum of ten (10) Visa® Debit/Credit Card purchases, each totaling $5 or more per month; purchase returns credited back to the account will be deducted from the number of transactions. Only debit card transactions performed with a debit card tied to the ONE Up Account qualify. All Visa Debit/Credit Card purchases must be posted to the account by close of business on the last business day of the month to qualify. Monthly fees will be assessed on the first business day of the following month if applicable.
2CommonWealth One will refund ATM surcharge fees up to $15 per month assessed to a ONE Up Account when you use your CommonWealth One Debit Card to make a deposit, withdrawal, transfer or balance inquiry at a non-CommonWealth One ATM. The refund will be posted and credited to the account on the first business day of the following month. The refund does not apply to cash advances from a CommonWealth One Credit Card or the assessment of Visa International Service Assessment (ISA) fees.
Basic Business Checking
| Fee Type | Fee |
|---|---|
| Monthly Service Fee (If average daily balance is less than $500, 50 items free) |
$5.00 |
| Per item over the Maximum Limit | $0.25 |
Value Business Checking
| Fee Type | Fee |
|---|---|
| Monthly Service Fee (If average daily balance is less than $1,500, 150 items free) |
$10.00 |
| Per item over the Maximum Limit | $0.25 |
Premier Business Checking
| Fee Type | Fee |
|---|---|
| Monthly Service Fee (If average daily balance is less than $3,000, 300 items free) |
$20.00 |
| Per item over the Maximum Limit | $0.25 |
| Fee Type | Fee |
|---|---|
| Non-Sufficient Funds (NSF) and ACH Overdraft per presentment | $30.00 |
| Optional Overdraft Courtesy Pay Service per presentment | $30.00 |
| Stop Payment per presentment (In Branch or Member Contact Center) |
$30.00 |
| Stop Payment per presentment (In Online Banking) |
$14.00 |
| Uncollected Funds/UCF per presentment | $30.00 |
| Relationship Checking Monthly Fee | $7.00* |
| Relationship Plus Checking Monthly Fee | $12.00** |
| Solutions Checking Monthly Fee | $10.00 |
*Relationship Checking requirements to avoid a monthly checking fee are Direct Deposit/allotment, or a $1,000 minimum checking balance, or a $5,000 combined savings & loans balance.
** Relationship PLUS Checking requirements to avoid a monthly checking fee are a $10,000 average daily checking balance or $25,000 combined savings & loan balance. Relationship PLUS Checking account must maintain an average daily balance of $10,000 in order to earn dividends.
All CommonWealth One checking accounts come with unlimited ATM transactions at CommonWealth One locations. Relationship and Relationship Plus checking accounts come with 5 free non-CommonWealth One ATM transactions per month, and assessed a $1.00 convenience fee thereafter.
| Fee Type | Fee |
|---|---|
| Returned Checks written by 3rd Party | $10.00 |
| Returned Check on Another Bank | $30.00 |
| Deposit/Collection (Foreign Check) | varies per item |
| Counter Checks per item | $2.50 |
| Official Checks per item (1 Free Per Day) | $4.00 |
| Money Management Account Excessive Transaction Fee (Transaction > 6 per month) |
$30.00 |
| Inactive Checking Fee Monthly fee assessed on accounts with balances less than $100 and no activity for one year or more |
$5.00 |
| Inactive Share Account Fee (per month) Monthly fee assessed on accounts with balances less than $100 and no activity for one year or more |
$5.00 |
| Dormant Monthly Account Fee | $5.00 |
| Uncollected Funds/UCF per item | $30.00 |
| Fee Type | Fee |
|---|---|
| Rush Delivery - Next Business Day Non-Electronic (Check) Payment (per item) | $19.95 |
| Rush Delivery - Same-Day Electronic (ACH) Payment (per item) | $14.95 |
| Non-Sufficient Funds (NSF) (per item) | $30.00 |
| Stop Payment paid by check (per item) | $30.00 |
| Fee Type | Fee |
|---|---|
| ATM Withdrawal Fees, out of Network | $1.00 |
| Replacement card or Pin | $5.00 |
| Photocopy of sales draft | $5.00 |
| Foreign Transaction Fee (in U.S. dollars) |
1% of total transaction |
| Express Shipping Fee (Debit/Credit Card) | $35.00 |
| Fee Type | Fee |
|---|---|
| Outgoing Domestic | $15.00 |
| Outgoing International | $50.00 |
| Fee Type | Fee |
|---|---|
| Account Reconciliation/Research per hour | $25.00 |
| Bad Address Maintenance per month | $5.00 |
| ePayment Fee (per item) Waived, if set as a recurring automated payment |
$5.00 |
| Escheatment Processing | $50.00 |
| Garnishment of Account | $50.00 |
| Levy Against Account | $50.00 |
| Medallion Signature Guarantee | Free |
| Statement/Check Copy | $5.00 |
| Stop Payment of Official Check | $30.00 |
| Verification of Deposit | $15.00 |
| VISA® Cash Advance | $5.00 |
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