Christian Financial Credit Union

Savings Service Charges

Excessive withdrawals on a Money Market account (more than 6 withdrawals per month)	$3.00 per item
HSA set-up fee	$20.00
IRA Savings inactivity fee (reviewed for activity between January 1 and December 31 each calendar year), effective for accounts with a balance less than $1,000.00	$40.00
IRA Certificate & IRA Savings closeout charge	$25.00

Checking Service Charges

Essential Checking	$6.00 per month
E-Checking with/without E-Statements*	FREE/$6.00 per month
Select Checking with/without Debit Card, active loan & direct deposit	FREE/$7.50 per month

*If a member has E-Checking and is not enrolled in E-Statements during a given monthly period, a monthly maintenance fee of $6.00 will be assessed for each month until re-enrolled in the E-Statement program. Business accounts not eligible for E-Checking.

Overdraft (NSF, Courtesy Pay) Service Charges

Returned deposited items drawn off a member's account at Christian Financial or another financial institution Non-sufficient funds (drafts, debit card transactions, debit card ATM withdrawals/purchases, pre-authorized withdrawals or bill pay items) Items (ACH, checks, debit card transactions and online bill payment) paid by Courtesy Pay	$28.00 per presentment
Overdraft transfers from one deposit product to another (system-generated) - Essential Checking is allowed 4 total free per month across all Essential Checking accounts. Additional transfers are subject to this fee. Overdraft transfers from Lines of Credit are free. Imposed for overdrafts created by checks, ATM withdrawals, debit card transactions at the Point of Sale, Bill Payments, ACH or by other electronic means.	$2.00 per item
Negative account fee for accounts with a negative status of 15 days or more	$0.50 per day
Stop payment on checks or ACH	$28.00 or $56.00 per series

Card Service Charges

Card/PIN replacements	$5.00
Cash withdrawals at a Non-CO-OP ATM	$1.75
Visa Gift Cards	$3.50

Send Money Service Charges

Outgoing domestic wire phone/in-branch request	$25.00
Outgoing foreign wire	$40.00
Incoming wire (Domestic or Foreign)	$5.00

Digital Banking Service Charges

Online Bill Pay Excessive Payments Charge (includes total count of bill payments, account-to-account transfers)	$0.40/payment
Online Bill Pay same day payments	$9.95
Online Bill Pay next day overnight checks	$14.95
External Transfers to Outside Institutions	$5.00

*NOTE: Using this feature requires enrollment in the Bill Pay service. There is no monthly maintenance charge to members enrolled in Bill Pay who have our E-Checking product. Please click here for additional information on Bill Pay fees. *Transactions are processed through the ACH Network and post to your account in 1-3 business days. There is a $5.00 per transaction fee for the External Transfer services. Fees for the transaction are displayed below the amount field.

Business Online Bill Pay Service Charges

Online Business Bill Pay	$9.95 per month for 20 transactions + $.40 each additional
Online Bill Pay same day payments	$9.95
Online Bill Pay next day overnight checks	$14.95

Services and Special Processing Charges

One-time membership fee (at account opening)	$10.00
Account Inactivity Charge (assessed on accounts with no activity within the past 12 months)	$5.00 per month
Account closure fee	Lesser of $10.00 or remaining balance in the account.
Copy of a check	$3.00
Check withdrawal by mail fee	$2.00 per check
Check image (PDF via secured email system)	$10.00
Cashier's/Counter Check	$3.00
Money Order	$2.00
Coin Processing	4% of the amount over $100 per day
Account Research and Reconciliation	$20.00 per hour
Garnishment/levy processing	$50.00
Bad address	$10.00
Non-member check cashing charge	$5.00 for checks $1,000 or less/$15 for checks $1,001+
Canadian check handling	$10.00 (non-U.S. funds only)
Loan payments by phone or web using a non-Christian Financial account, debit or credit card	$10.00
Escheated account	$50.00 per account
Statement copies/history print-out	$2.00
Foreign card access at Christian Financial ATMs	$2.50
ATM Adjustment Fee	$6.00 each
Home Equity Subordination Fee	$50.00

SERVICE CHARGES