Effective May 1, 2024
| Service | Fee | Plain and Simple Description ** | |
|---|---|---|---|
| Overdraft Protection Transfer | 4.00 | We transfer money between your CSCU accounts to cover an overdraft (negative balance), if you have signed up for our overdraft protection service. You can avoid this fee by monitoring your balance with It's Me 247 Online Banking or CSCU Mobile Banking. | |
| Classic Draft / Checking Service Fee | 6.00 | If you drop below the minimum balance of $600, you will be charged this service fee. You can avoid this fee by keeping your balance above the minimum. You can avoid this fee by monitoring your balance with It's Me 247 Online Banking or CSCU Mobile Banking. | |
| Prime Money Market withdrawal Fee | 9.00 | You have two (2) free transfers a month from your CSCU Prime Money Market, this includes any ACH, cashier's checks or in person withdrawals. Any transfers or withdrawals conducted after the two free will be charged a $9.00 per withdrawal fee. You can avoid this fee by transfering to your CSCU Draft Checking or Rewards account and then disbursing funds as needed. |
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| Foreign ATM Transaction or Inquiry | 2.50 | You conduct a balance inquiry or withdrawal at an ATM not owned by us. The ATM's owner may also charge you a separate usage fee. You can avoid these fees by using our ATM's located at our Ponca City CSCU locations. Traveling? Use the It's Me 247 CSCU Mobile Banking app to locate one of 30,000+ free CO-OP ATMs near you. |
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| ATM Transaction or Inquiry | 3.50 | The Automated Teller Machines at our branches are free, when using your Cherokee Strip Credit Union ("CSCU") Debit Card. This fee only applies when using another financial institution's card at one of our ATM's. |
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| Advance ACH Posting | 3.00 | You request a pending ACH, credit only, such as payroll to post to your account if the effective entry date allows the transaction to be posted. The effective entry date allows Originators (senders) to specify the intended settlement date. CSCU will post no later than the settlement date. | |
| Cashiers or Official Check Request | 5.00 | You request a withdrawal by official CSCU check, payable to you or someone else. You can avoid this fee by making that payment electronically through Bill Pay or P2P in It's Me 247 Online Banking or CSCU Mobile Banking, or by writing a personal check from your CSCU Draft Checking or Rewards account. You receive your first two (2) Cashiers Checks free with your membership. |
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| Bill Pay or Pay Anyone | Free | Paying someone electronically through Bill Pay or P2P in It's Me 247 Online Banking or CSCU Mobile Banking, or by writing a personal check from your CSCU Draft Checking or Rewards account. You receive your first two (2) Cashiers Checks free with your membership. | |
| Debit Card, Replacement | 10.00 | You lose your CSCU Debit Card, and ask us to replace it. | |
| Debit Card, Express Delivery | 54.00 | You need your new or replacement CSCU Debit Card faster than our card vendor's standard processing time of 10 - 14 business days. | |
| Dormant Accounts | 5.00 | You haven't made a deposit or withdrawal in your CSCU Share Savings, Draft Checking, or Rewards account in the last 12 months. You can avoid this fee by simply conducting a transaction in your CSCU accounts more often than every 12 months. The easiest way to avoid this fee is by setting up an automatic Direct Deposit of monthly benefits or payroll into your CSCU account |
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| Research Fee | 20.00 | You request research or copies of checks or statements there will be a minimal fee of $20.00 plus $20.00 per hour. | |
| Personal Checks (pack of 4) | 4.00 | You only need a few checks rather than an entire booklet of checks. You can get personal checks from us for your Draft Checking or Rewards account in increments of four (4). You may avoid this separate fee by making a regular bulk order for checks as you run out. |
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| Check Deposit, Returned | 15.00 | You deposit a check with us, received from someone else, and we send it to the paying financial institution to collect your funds, but it's returned to us as Non- Sufficient Funds, Closed Account, Stop Payment, etc. You may avoid this fee by only depositing checks from reliable sources. | |
| ACH Origination, Returned | 15.00 | You generate an electronic transfer from another financial institution to make your CSCU loan payment or to credit your CSCU Share Savings, Draft Checking or Rewards account but it's returned to us - usually for Non-Sufficient Funds. You can avoid this fee by making payment directly from your CSCU Share Savings, Draft Checking, or Rewards account. |
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| Wire Transfer Out | 22.00 | You ask us to send money to you or someone else at another domestic financial institution, by electronic wire transfer. Note that CSCU does not wire money outside the United States at this time. |
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| Wire Transfer In | 11.00 | You receive money from someone else or yourself, sent to us from another domestic financial institution, by electronic wire transfer. Note that CSCU does not accept inbound wires from outside the United States at this time. |
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| Late Payments | Varies | You have a loan with CSCU and you do not make your loan payment on time. You can avoid this fee if you simply make your CSCU loan payments on time. Contact CSCU to explore the multiple ways to set your payments up to be ensure your loans are paid on time. |
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| Legal Processing | 20.00 | We have to perform a legal service on your CSCU account, such as levy, garnishment, or lien - each occurrence. | |
| Stop Payment Request | 28.00 | You've written a personal check or have issued an ACH to someone from your CSCU Draft Checking or Rewards account, and later ask us to stop the payment, subject to the item not already being paid (meaning, honored by us as a proper presentment and demand for payment) - each occurrence. | |
| Stop Payment Request - Cashiers or Official Check | 35.00 | You requested an official CSCU check from us, made payable to you or someone else, and later ask us to stop the payment, subject to the item not already being paid (meaning, honored by us as a proper presentment and demand for payment) - each occurrence. | |
| Returned Item (personal check or ACH) | 28.00 | You initiated a transaction or purchase to take money from your CSCU account, but due to unavailable funds at the time the withdrawal request was presented to us, we returned the item - each occurrence. You can avoid this fee by ensuring your account is in good standing and you have enough funds in your account to cover all debit card transactions, personal checks, electronic transfers, etc. It's easy to keep track of your transactions in It's Me 247 Online Banking , CSCU Mobile Banking , or by calling our 24/7 Automated Phone Banking @ (580) 718-4000, Option 1. | |
| Courtesy Pay | 29.00 | You initiated a transaction or purchase to take money from your CSCU account, sufficient funds were not available at the time the withdrawal request was presented to us, but we temporarily paid the transaction on your behalf because you were eligible for and opted in to our Courtesy Pay protection program - each occurrence. This is not a loan - you are expected to pay us back quickly for both the original transaction and this fee, to remain eligible for Courtesy Pay. The paying of any item is at our discretion, and there is a limit as to how much we will pay on your behalf. You can avoid this fee by ensuring you have enough funds in your account to cover all debit card transactions, personal checks, electronic transfers, etc. It's easy to keep track of your transactions in It's Me 247 Online Banking , CSCU Mobile Banking, or by calling our 24/7 Automated Phone Banking @ (580) 718-4000, Option 1. | |
| Safe Deposit Box, Lost Key | Current Service | You rent a Safe Deposit Box from us, lost a key, and we call in a locksmith to copy your second key. You can avoid this fee simply by keeping the keys we give you safe and secure. |
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| Safe Deposit Box, Drill | Current Service | You lost both of your Safe Deposit Box keys, so we need to call in a locksmith to drill a new Box lock and keys for you. You can avoid this fee simply by keeping the keys we give you safe and secure. |
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| One Time Electronic Payment - by ACH transfer | 10.00 | You want us to initiate a one-time electronic payment into your CSCU account, from your account at another financial institution - each occurrence. You can avoid this fee by initiating the electronic payment at the other financial institution instead, or by making an automatic internal transfer from your CSCU Share Savings, Draft Checking, or Rewards account. |
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| ** NOTE: These descriptions are provided as an illustration and general reference only. Where the wording here conflicts with your CSCU account agreement, loan or deposit documentation, or other official disclosure by us to you, those documents will apply. | |||
** Descriptions here are a courtesy only. Where wording here conflicts with your CSCU Account Agreement, loan or deposit documentation, or other official disclosures by us to you, those documents will apply.