Personal Fee Schedule

  •  04-25-2017
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Membership Fees
Membership Fee (one time fee, waived if under 18) $10.00
Minimum Balance Required to Maintain an Active Membership $5.00
Checking Minimum Opening Deposit
Basic Checking, eChecking, Access Account $50.00
Monthly Service Fees
FlexSmart Money Market Account (if below $1,000 minimum balance) $10.00
Interest Checking (if below $500 average monthly balance) $7.00
Access Account (waived if under 18) $7.00
HSA Checking (annual fee on anniversary date) $25.00
Card Fees (Debit, Credit, Gift, and ATM)
ATM Withdrawal/Inquiry (No charge for OnPoint, MoneyPass or CO-OP ATMs, Free with Interest Checking) $2.00
Card Replacement (First replacement per year is free) $5.00
Card/Pin Rush Delivery (Domestic) $25.00
Card/Pin Rush Delivery (International) $65.00
Visa Gift Card Processing Fee $4.95
Visa Reloadable Prepaid Card (Purchase or replacement) $15.00
Visa Reloadable Prepaid Card (Reload Fee) $2.00
Visa Foreign Transaction Up to 1% of transaction amount
Online Banking Fees
Online Banking Free
Bill Payment monthly fee (first 3 months waived, free with Interest Checking and eChecking) $3.95
Same Day Bill Payment $12.95
Overnight Check Bill Payment $12.95
Popmoney Express Delivery (per transfer) $3.00
Popmoney Standard Delivery Free
Returned Funds Fees
Check sent for Collections - Domestic (per check) $20.00
Check Sent for Collections -International (per check, $250.00 US equivalent minimum) $75.00
Returned Deposit (per check or ACH item) $15.00
Foreign Returned Item (per item) $30.00
NSF Fee (items returned) $30.00
Overdraft Fee (item paid) $30.00
Overdraft Transfer Service (per transfer,1st each month refunded) $3.00
Loan Fees
EquityFlex Line of Credit Annual Fee $25.00
Fixed Portion Fee (waived for the first fixed portion and Streamline fixed portions) $25.00
Fixed Portion Conversion to Line of Credit $50.00
Personal Line of Credit Annual Fee $24.00
Deed of Trust Reconveyance Fee (Oregon) $80.00
Deed of Trust Reconveyance Fee (Washington) $115.00
Loan Subordination Fee (per request) $150.00
Rate Reduction/Modification (Auto Loan) $150.00
Verification of Deposit/Loan (per request) $25.00
Skip Pay (when offered, per loan) $35.00
Phone Payment by Credit Card
$0 - $100 transaction amount Free
$100.01 - $400 transaction amount $10.00
$400.01 - $1,500 transaction amount $20.00
$1,500.01 - $3,000 transaction amount $50.00
Foreign Currency Fees
Foreign Fund Check Free
Foreign Check in US Dollar (including Canada) $5.00
Foreign Currency Exchange (orders under $300 US dollars) $10.00
Foreign Currency Exchange (orders over $300 US dollars) Free
Foreign Currency Expedited Delivery (standard overnight) $10.00
Foreign Currency Expedited Delivery (priority overnight) $15.00
Wire Transfer Fees (per wire)
Incoming (all) $8.00
Domestic (outgoing) $20.00
Foreign (outgoing - foreign currency) $25.00
Foreign (outgoing - US dollars) $40.00
Research and Legal Fees
Account Reconciliation/Research (per hour) $25.00
Garnishment/Levy Processing (per order) $50.00
Legal Process Fee $75.00
Photocopies of Statements, Checks, Transactions (per item) $2.00
Photocopies of Visa Card Purchases (per item) $12.00
Miscellaneous Fees
Cashier's Check (free with Interest Checking or when accessing OnPoint loan products) $5.00
Check Printing (first order free with Interest Checking) Varies
Inactive Account (per month, balances less than $150) $5.00
Special Item Handling Prices vary based on request
Stop Payment (including payments made through Bill Payment) $25.00
Unknown Address (per month) $5.00
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.