Note: All fees subject to change

Description Fee of Limit Amount
Cleared Check Copy $2.00/item*
iBanking Cleared Check Copy Free
NSF Cleared Item (ACH, Share Draft, ATM, Debit) $30.00/item*
NSF Returned Item (ACH, Share Draft, ATM, Debit) $30.00/item*
Postdated Item $25.00/ea
Stop Payment/Revoke (ACH, Share Draft) $25.00/request
Account Closed for Abuse $25.00
Overdraft Transfer for ACH/Checks $2.00/ea*
Closing Account Open Less than Six Months $25.00
Billpay Stop Payment $25.00/item
Billpay Payment Photocopy $10.00/item
Debit Card Replacement Fee -Regular $15.00
Debit Card Replacement Fee- MyPic Card $20.00
Item Returned $10.00/item*
Point of Sale Purchases (after first 5/month) $0.50/purchase
ATM Withdrawals (after first 5/month) $0.50/ea.
ATM Card Replacement (Lost) $10.00
Visa® Prepaid Debit Card (Purchase) $10.00
Visa® Prepaid Debit Card (Reload) Free
Visa® Gift Card $5.00
Items Sent for Collection $20.00/item
Collection Fee $20.00
Legal Process (Garnishment, Subpoena, etc.) $25.00/item
Previously Mailed Paper Statement Copy $5.00/month
Account Research (minimum 1 hour) $25.00/hour
Statement Reconciliation (minimum 1 hour) $25.00/hour
Wire Transfer (incoming) $10.00/each
Domestic Wire Transfer (outgoing) $20.00/each
International Wire Transfer (outgoing) $40.00/each
Cashier's Check $5.00/check
Empty Envelope Deposit $25.00/deposit
Non-Member Check Cashing $5.00/check
Bad Address (returned statement) $5.00/each
Inactive Account Fee** $25.00
Loan Skip-a-Payment*** $25.00
Safe Deposit Box Replacement Key $15.00
Safe Deposit Box Vault Drilling Cost + $50.00
Phone Cash Advance Advance Amount + $10.00

*Sales Tax As Applicable

**An account is deemed inactive if within the last 12 months;

  • The member has not increased or decreased the amount of deposit in the account;
  • The member has not corresponded in writing with the credit union concerning the account; and
  • The member does not have another relationship with the credit union such as a loan or time share certificate.

***Loan Skip-a-Payment must be accompanied with a letter of explanation submitted through the Contact Us page or emailed directly to loans@centcu.org.  Maximum of one approved Loan Skip-a-Payment per year.