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OnPoint Community Credit Union

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Personal Fee Schedule

Personal Fee ScheduleFees Effective: August 1, 2010
Subject to change.
Membership Fees
Membership Fee (one time fee) $10.00
Minimum Balance Required to Maintain an Active Membership $5.00
Checking Account Fees/Minimum Deposit  
Basic Checking - minimum opening deposit $100.00
Buzz Checking - minimum opening deposit $25.00
FlexSmartSM Money Market Account Service Fee
(if below minimum balance)
$10.00 per month
Interest Checking Monthly Service Fee
(if below average monthly balance)
$7.00 per month
Miscellaneous Fees  
Account Reconciliation/Research $25.00 per hour
ATM Withdrawal/Inquiry $1.50 per transaction (No charge for OnPoint, MoneyPass, or CO-OP ATMs.)
Bill Payment (through Online Banking) $3.95 per month (First 3 months waived. Free with Interest Checking.)
Card Replacement (first replacement per year is free) $5.00 per card
Card/PIN Rush Delivery: Domestic $25.00 per item sent
Card/PIN Rush Delivery: International $65.00 per item sent
Cashier's Check1 $5.00 per item (Free with Interest Checking.)
Check Printing Prices vary based on style (First order free with Interest Checking.)
Check Sent for Collections - Domestic $20.00 per check
Check Sent for Collections - International
($250.00 US dollar equivalent minimum)
$75.00 per check
Deed of Trust Reconveyance Fee $96.00
Deposited Check Returned Unpaid $15.00 per check
Foreign Checks: Foreign Fund Items $15.00 per item
Foreign Checks: US Dollar Items
(all countries, including Canada)
$8.00 per item
Foreign Returned Item $30.00 per item
Garnishment/Levy Processing $35 per garnishment/levy
Inactive Account $5.00 per month (For balance less than $150.)
Loan Subordination Fee $150.00 per request
NSF Fee (items returned) $30.00 per item
Online Banking Free
Overdraft Fee (items paid) $30.00 per item
Overdraft Transfer Service $3.00 per transfer (1st each month free)
Payment by Credit Card (phone request) $20.00 per request
Photo Copies: Statements, Checks, Transactions $2.00 per item
Photo Copies: Visa Check Card Purchases $12.00 per item
Rate Reduction/Modification (auto loans) $150.00 per loan
Special Item Handling Actual cost
Skip Pay $25.00 per loan
Stop Payment $25.00 per item
Unknown Address $5.00 per month
Verification of Deposit/Loan $25.00 per request
Visa Foreign Transaction Up to 2% of transaction amount
Wire Transfers: Incoming (all) $8.00 per wire
Wire Transfers: Domestic (outgoing) $20.00 per wire
Wire Transfers: Foreign (outgoing - foreign currency) $25.00 per wire
Wire Transfer: Foreign (outgoing - US dollars) $40.00 per wire
1Free when issued to access OnPoint loan products or when made payable to an OnPoint member and drawn from their OnPoint account.

This Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Savings, Checking, IRA, TDF and Certificate of Deposit Accounts at OnPoint 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 Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.