Schedule of Fees and Charges

Effective 08/13/2020

Note: Some fees may be waived or reduced based on other qualifying criteria. Call for details.
Checking Accounts
MyVIP Checking $10 per month
MyPoint+ Checking $6 per month
MyFreedom Checking $3 per month Waived with eStatements
AnyAccess Checking* $8.50 per month
EZAccess Checking* $3 per month Waived with eStatements
AccessBuilder Checking* $15 per month
*Accounts opened before 8/01/2020. No longer offered
Per-check Eight free per month; then $0.50 each EZAccess, AccessBuilder only
Personalized checks Varies according to style
Electronic Transfer Account* $3 per month
*Accounts opened before 8/01/2020. No longer offered
Account reconciliation $20 per hour
Overdraft transfer from another share account $5 per transfer
Overdrawn Accounts (funds not available for transfer)
Presentments per calendar year  
1-3 $31 per presentment
4-6 $33 per presentment
7+ $35 per presentment
Courtesy Pay
Presentments per calendar year  
1-3 $31 per presentment
4-6 $33 per presentment
7+ $35 per presentment
Copies of paid checks Two free per statement; then $3 each
Stop payment $25
Cancel stop payment $6
Bill Pay $0 per month
Additional fees apply for the following services:
Expedited Funds Check - Overnight $14.95
Expedited Funds Check - Two Days $9.95
Expedited Funds Electronic $4.95
Gift Check $2.99
Charitable Donation Check $1.99
ATM/POS/Visa Debit
Replacement card $5
Foreign currency conversion/ISA 1% of transaction amount
Withdrawals
CO-OP ATM Eight free per month; then $1 each
All others $2 each
Inquiries
CO-OP ATM Eight free per month; then $1 each
All others $1 each
Non-CO-OP ATM transactions may be subject to fees by ATM owner or merchant.
Membership
New membership $5
Close membership within 90 days of opening $5
Inactive account $10 per month
General
Cashiers check $5 each
Check cashing if non-member $5 each
Check cashing if less than $100 on deposit $2 each
Collection Item $25
Compliance with legal order:
Minimum billing per order $50
Labor $20 per hour
Check copy $3 each
Backup federal withholding per IRS request:
Set-up $25
Transmittal of Dividend $5 per payment
Immigration and Naturalization documentation $15
Notary $10 per non-MyPoint Credit Union paper3 free per month with $1,000 balance and checking account
Notice of escheat $2
Returned items: deposited, cashed or loan payment $15 each
Returned statement due to invalid address $5
Savings account maintenance $3 per monthAccounts with only regular savings and an average daily balance less than $300. Youth accounts exempt.
Signature Medallion Guarantee $10
Check by Phone $10
Statement copy $3 each
Telephone transfer checking/savings $1No charge for ARROW transactions
Temporary checks (packet of eight) $2
Transaction photo $25
Verification of deposit $10
Verification of loan and mortgage $10
Wire Transfers
Outgoing domestic $25
Incoming $10