Schedule of Fees
| Share Account Fees | Fee Amount |
|---|---|
| Monthly Maintenance Fee | FREE |
| Dormant Fee of 12 months (excludes minors) In order to avoid this fee, you must complete a transaction on your account at least once every 12 months. | $5.00 Monthly |
| Dormant Fee of 3 years | $25.00 Monthly |
| Research fee for Deceased Account excess of 6 months | $100.00 |
| Teller Check (payable to anyone other than account holder) | $5.00 |
| Share Cap Fee | $0.00 Monthly |
| Teller Check Stop Payment | $10.00 |
| Teller Check Copy | $5.00 |
| Special Savings Withdrawal | FREE |
| Checking Account Fees | Fee Amount |
|---|---|
| ACH, Check, Money Order Stop Payment Fee | $30.00 |
| Copy of Check within 6 Months | $5.00 (Done Online.. Free) |
| Overdraft from Shares or Line of Credit | $8.00 |
| Temporary Checks Per 10 | $5.00 |
| ATM Withdrawal Fee* | 2 Free a Month after $1.50 |
| Checkbook Order | Variable |
| ATM & Debit Card Fees | Fee Amount |
|---|---|
| Balance Inquiry | $1.00 |
| ATM Withdrawal Fee | $1.50 after 2 FREE from Primary Draft Account |
| Debit Card Cash Advance | $5.00 |
| New Debit Card Issuance | FREE |
| Replacement Debit Card Lost/Stolen within a Year | $10.00 |
| Club Account Fees | Fee Amount |
|---|---|
| Education Club Account | see disclosure |
| Vacation & Holiday Early Withdrawal | 2 Free a Month then $5.00 each |
| Miscellaneous Service Fees | Fee Amount |
|---|---|
| Return on any deposited item at the CU | $20.00 |
| All Returned Items (NSF) (attempted ACH transactions, checks, and/or everyday debit transactions that would reduce balance below $25.00) | $30.00* A Fee may be imposed each time, ACH or debit transfer, and any other type of item is presented or payment is otherwise requested. |
| Courtesy Pay Processing Fee (accounts 30+ days negative) | $10.00 |
| Courtesy Pay The Credit Union limits to 5 Courtesy Pay Transfers per day. | $30.00 A Fee may be imposed each time, ACH or debit transfer, and any other type of item is presented or payment is otherwise requested. |
| Check Collections (per item) | $40.00 |
| Check Protest (per item) Collected through Court | $40.00 |
| Teller Check | $5.00 |
| Money Order | $2.00 |
| Money Order for Retirees | $1.25 |
| Research and Balance Accounts (per hour) | $15.00 |
| Account Verification | $5.00 |
| Copy of Statement | $5.00 |
| Copy of Statement with E-Statements from February 2021 | FREE |
| Money Market $2,500 Minimum Balance Fee | $10.00 Month |
| Transaction History Printout | $5.00 |
| Domestic Wire Transfer | $20.00 |
| Return Wire Transfer Fee | $20.00 |
| International Wire Transfer | $40.00 |
| Incoming Wire Transfer Fee over $1,500.00 | $5.00 |
| Subpoena, Levy, Restraining Order | $45.00 |
| Overnight Mail | Cost |
| Returned Mail | $5.00 |
| Loan Skip A Payment Fee | $25.00 for one loan, $35.00 for multiple loans |
| Notary Public for members | Free |
| Shared Branch Transactions (at any CO-OP Shared Branch location) | Free |
Proudly Serving Rail Road Members since 1969