| Item | Fee |
|---|---|
| Membership Share Value/Minimum Deposit | $5.00 |
| Paper Statement Fee | $2.00 |
Share Draft (Checking) Fees |
|
| Cash & Check Card, Debit Rewards Monthly Service | None |
| Plus Checking Monthly Service Fee (If Average Balance is below $500.00) |
$5.00 per month |
| Share Draft (Regular Checking) Monthly Service Fee | None |
| Share Draft (Regular Checking) If > 40 per month | .10¢ per Draft |
| Item Processing Fee | $1.00 per item |
| Sales Draft Microfilm Copies | $6.00 per item |
| Postdated Item Request | $6.00 per item |
| Cautionary Stops | $10.00 |
| Statement Copy Fee | $3.00 |
| Paid or Returned Nonsufficient Funds (NSF) | $28.00 |
| ACH Returned Debits Nonsufficient Funds (NSF) | $28.00 |
| Account Research, per hour | $25.00 ($10.00 minimum) |
| Automatic Overdraft Transfer Fee | $4.00 |
| Share Draft (Check) Printing (depending on the style) |
Prices vary |
| Counter Checks | $2.00 per set of 8 |
| Copies of Drafts (research fee of $25 per hour may apply) | A fee of $1.00 per copy |
| Return of Original Draft / substitute check (request must be made within 60 days of draft clearing date) |
$4.00 |
EFT/ATM Card |
|
| Withdrawals | No Charge |
| Replacement Card Fee, each | $5.00 |
| Electronic Debit NSF | $28.00 |
| Item | Fee |
|---|---|
| Check Cashing Fee (third-party check) | 5% of check (Minimum $10.00) |
| Cashier's Checks | $3.00 each |
| Conversion of Canadian Checks > $2,000 | At Cost |
| Empty Envelope | $25.00 |
| Loan Payment with Debit Card Online | $4.95 |
| Pay by Phone via Debit Card | $9.95 |
| Garnishment | $25.00 |
| Prepaid Debit Card | $4.95 each |
| Personalized Prepaid Debit Card | $9.95 each |
| Wire Transfer Domestic (outgoing) | $18.00 |
| Wire Transfer International (outgoing) | $50.00 |
| NSF (written by member on a non-Canopy account) | $25.00 |
| NSF (written by a non-member) | $15.00 |
| Printed Account History | $3.00 |
| Foreign Collection Items | At Cost |
| Inactive fee | $5.00 per month |
| Account Closure Fee | $5.00 within 90 days |
| Dormant Account Fee (after 2 1/2 years) | $5.00 per month |
| Invalid Address | $3.00 per month |
| IRA Annual Maintenance Fee | $25.00 |
| IRA Cancellation Fee | $25.00 |
| IRA Outgoing Direct Transfer/Rollover Fee | $25.00 |
| Bill Pay Services | FREE! |
| Expedited Bill Payments | $19.95 |
| Self-Serve Coin | 1% of total |
| MessagePay Fee | $9.95 per payment |
Our Rates Subject to Change
This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Savings, Checking, Term Share, IRA and Certificate Accounts at Canopy Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
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