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 |
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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