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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. 

View Fee Schedule PDF

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

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
Same-day Non-Electronic Payment(per item) $19.95
Same-Day Electronic 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
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
ePayment Fee (per item)
Waived, if set as a recurring automated payment
$5.00

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