Fee Schedule

We keep fees as low as possible, just enough to cover our expenses.

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

Checking Accounts

CheckONE^TM

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

Checking Account Fees

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.

Checking or Savings

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

Online Bill Pay

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

Visa Debit Card

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

Wire Transfer

Fee Type	Fee
Outgoing Domestic	$15.00
Outgoing International	$50.00

Other Miscellaneous Fees

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