Fees & Charges
Effective Date: February 19, 2020
Name	Fee
AAA Auto Insurance	$2.00 per policy
AAA Home Owners Insurance	$1.00 per policy
Account Close and Reopen within 90 days	$30.00 each
Account Reconciliation	$35.00 per hour
Account Research	$35.00 per hour
Account Statement Reprint	$5.00 per month
ATM Debit Mastercard Replacement	$35.00 each after 3rd reissue
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	$30.00 each
Debt Consolidation Processing Fee	$35.00 per application
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
e-Statements	FREE
Garnishment Processing Fee	$30.00 each
Indirect Lending Late Payment	$15.00 or 5% of payment - the greater amount
IRA / ESA Annual Fee	$10.00 each
Land Contract Service	$5.00 per month
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
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.
Stop Payment Item	$35.00 each | FREE through COPOCO@home
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	$20.00 each | Incoming or Outgoing within USA only