home | online banking login | rates & calculators | join now   Checking Accounts     Visa Check card     Checking Account Switch Kit     Check 21 Disclosure     Savings Accounts     Roth & Traditional IRAs     Savings FAQ     IRA FAQ     Investment Services     Saving Calculators     Savings     Retirement     Account Rates     Truth in Savings Disclosure     Annual Withdrawal Certificate of Deposit Truth-in-Savings Disclosure   Account Fees     Direct Deposit Account Fees Personal Fee Schedule Fees Effective: October 21, 2008 Subject to change. Credit Union Membership Minimum balance required to maintain an active membership $5.00 Membership Fee- One time fee (waived if under 18) $10.00 Checking Account Fees/Minimum Deposit Basic Checking - Minimum opening deposit $100.00 Buzz Checking- Minimum opening deposit $25.00 Interest Checking monthly service fee if below minimum balance $7.00 per month FlexSmartSM Money Market Account $10.00 per month Miscellaneous Fees Account Reconciliation/Research $25.00 per hour Bill Payment (through Online Banking) $3.95 per month (after first 3 months ) Canadian Check in U.S. Dollars $1.00 per item Cashier's Check* (Credit Union issued; check payable to third party) $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 per item Check sent for collections - International $35 per item Deposited check returned unpaid $15.00 per item Foreign Return Item $15.00 per item Garnishment/Levy Processing $35 per item Inactive Account $5.00 per month (balance less than $150) Non-Sufficient Funds (NSF) $30.00 per item Online Banking Free Payment by Credit Card $20.00 per item Photo Copies (statements/checks/transactions) $2.00 per item Rate Reduction/Modification $150.00 per loan Request for Verification of Deposit/Loan $25.00 per item Special Item Handling Actual cost Skip Pay $25.00 per loan Stop Payment $25.00 per item Unknown Address $5.00 per month Wire Transfer - U.S. (outgoing) $20.00 per item Wire Transfer - Foreign (outgoing) $40.00 per item Wire Transfer -- (incoming) $8.00 per item Card Fees ATM Withdrawal/Inquiry (No charge for OnPoint, Money Pass or CO-OP ATMs) $1.50 Copies (VISA Check Card purchase) $12.00 Visa Foreign Transaction Up to 1% of transaction amount *Free 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.   home | contact us | online banking login rates & calculators | apply online | join now careers | privacy | site map copyright OnPoint Community Credit Union © 2005 All Rights Reserved