| Fees & Charges |
| Effective Date: Friday, July 18th, 2025 |
| Name | Fee |
| Account Close within 90 days |
$10.00 each |
| Reopen After CU Imposed Account Closure |
$10. each |
| Account Reconciliation |
$35.00 per hour |
| Account Research |
$35.00 per hour |
| Account Statement Reprint |
$5.00 per month |
| ATM Debit Mastercard Replacement |
$10.00 each after One card FREE per year unless related to Fraud |
| ATM Fee - Foreign Transaction Fee |
$1.00 each |
| ATM Fee - Non Member Surcharge |
$2.00 each |
| Check (Sharedraft) Photocopy |
$2.00 each | FREE request through COPOCO@home |
| Debit Card Dispute - Denied |
$35.00 each |
| Deposit Item Returned |
$35.00 each |
| Document Shredding Service |
FREE |
| Dormant Account Fee |
$5.00 each per month following dormancy notice |
| Escheat Processing |
$50.00 each or account balance if less than $50 |
| Garnishment Processing Fee |
$35.00 each |
| Indirect Lending Late Payment |
$15.00 or 5% of payment - the greater amount |
| IRA / ESA Annual Fee |
$25.00 each |
| Money Order - up to $1000 |
$1.50 each |
| Non-Sufficient Funds (NSF) Item |
$35.00 each |
| Notary Public |
FREE |
| Overdrawn Forced Transfer Item |
$5.00 each |
| Overdraft Privilege Paid Item |
$35.00 each |
| Overdrawn Debit / ATM, EFT & Point of Sale (POS) Transaction |
$35.00 each |
| Pay by Phone -minimum $25 payment required |
$15.00 each |
| Pre-authorized Payment |
$10.00 each | Only available when electronic processing not offered |
| Return Mail Due to Invalid Address |
$3.00 per month |
| Skip-A-Pay |
$35.00 each | Available in Jan. or Aug. only |
| Share Draft / Checking Accounts |
$2.00 minimum balance fee when the daily balance in the account falls below $300.00 any day of the month. This fee can be avoided with direct deposit. Ask for details. |
| Share Draft " FREE" COPOCO Branded Checks |
1 order FREE, annually with Direct Deposit, then $10 per order |
| Stop Payment Item |
$35.00 each | FREE through COPOCO@home |
| Unlimited Transactions Per Account |
FREE |
| VISA Platinum Late Payment Fee |
$25.00 month |
| VISA HELOC Platinum Late Payment Fee |
$30.00 month |
| VISA Replacement Card |
$35.00 each | after 3rd reissue |
| VISA Gift Card |
$2.95 each |
| VISA Statement Reprint |
$5.00 each per month |
| Wire Transfer (domestic only) Incoming/Outgoing |
$20.00 each |
