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Fees are current as of June 1, 2024

Share (Savings) and Share Draft (Checking) Accounts

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)


Withdrawals No Charge
Replacement Card Fee, each $5.00
Electronic Debit NSF $28.00


Miscellaneous Fees 

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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