| Item | Fee |
|---|---|
| Membership Share Value/Minimum Deposit | $5.00 |
| Membership fee | $20.00 |
| Paper Statement Fee | $2.00 |
Share Draft (Checking) Fees |
|
| Plus Checking Monthly Service Fee (If Average Balance is below $500.00) |
$5.00 per month |
| Paid or Returned Nonsufficient Funds (NSF) | $28.00 |
| ACH Returned Debits Nonsufficient Funds (NSF) | $28.00 |
| Account Research, per hour | $25.00 ($25.00 minimum) |
| Automatic Overdraft Transfer Fee for VISA | $4.00 |
| Share Draft (Check) Printing (depending on the style) |
Prices vary |
| Counter Checks | $2.00 per set of 8 |
| Copies | A fee of $1.00 per page |
| Replacement Card Fee, each | $10.00 |
| Item | Fee |
|---|---|
| Check Cashing Fee (third-party check) | 5% of check (Minimum $10.00) |
| Cashier's Checks | $5.00 each |
| Empty Envelope | $25.00 |
| Loan Payment with Debit Card Online | $4.95 |
| Pay by Phone via Debit Card | $9.95 |
| MessagePay Fee | $9.95 per payment |
| Garnishment & Levy | $50.00 |
| Wire Transfer Domestic (outgoing) | $25.00 |
| Wire Transfer International (outgoing) | $75.00 |
| NSF (written by member on a non-Canopy account) | $25.00 |
| Inactive fee | $5.00 per month |
| Dormant Account Fee (after 2 1/2 years) | $5.00 per month |
| Invalid Address | $5.00 per month |
| IRA Annual Maintenance Fee | $25.00 |
| IRA Cancellation Fee | $25.00 |
| IRA Outgoing Direct Transfer/Rollover Fee | $25.00 |
| Expedited Bill Payments | $19.95 |
| Self-Serve Coin | 3% 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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