Effective March 1, 2026
| Service | Fee | 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 Online Banking or CSCU Mobile Banking . | |
| 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 CSCU Mobile Banking app to locate one of 30,000+ free CO-OP ATMs near you. | |
| 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 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) Official Checks free with your membership. | |
| Bill Pay or Pay Anyone (P2P) | Free | Paying someone electronically through Bill Pay or P2P in Online Banking or CSCU Mobile Banking , or by writing a personal check from your CSCU Draft Checking or Rewards account. | |
| 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 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. | |
| 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). | |
| 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. | |
| ACH Origination, Returned | $ 15.00 | You generate a transfer from another financial institution via ACH 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. | |
| Domestic Wire Transfer | $ 30.00 | You ask us to send money to you or someone else at another domestic financial institution, by electronic wire transfer. | |
| Late Payments | varies | You have a loan with CSCU and you do not make your loan payment on time. Contact CSCU to explore the multiple ways to set your payments up to be ensure your loans are paid on time. | |
| 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 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. It's easy to keep track of your transactions in Online Banking , CSCU Mobile Banking , or by calling our 24/7 Automated Phone Banking @ 1 (855) 462-3098. | |
| 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 paid the transaction on your behalf because you were eligible for and opted in to our Courtesy Pay protection program - each occurrence. | |
| Safe Deposit Box, Lost Key | Service | You rent a Safe Deposit Box from us, lost a key, and we call in a locksmith to copy your second key. | |
| 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. | |
| One Time Inbound External transfer | $ 10.00 | You want us to initiate a one-time transfer into your CSCU account, from your account at another financial institution - each occurrence. You can avoid this fee by initiating the transfer through Online Banking or CSCU Mobile Banking , or by making an internal transfer from your CSCU Share Savings, Draft Checking, or Rewards account. | |
| Outbound External Transfer fee | $ 3.00 | You initiate a one-time transfer from your CSCU account, to your account at another financial institution. | |
| Coin Order Fee | $ 0.10 | Coin orders over $10 are subject to a 10% service fee. | |
| Escheatment Fee | $ 50.00 | A $50 fee is assessed when an account is escheated in accordance with state unclaimed property laws. | |
| Early Closure Fee | $ 25.00 | Accounts closed within 90 days of opening may be charged a $25 early closure fee. | |
| Expedited Bill Pay Fee | $ 3.00 | Members requesting expedited bill payment will be charged a $3.00 processing fee. | |
| Paper Statement Fee | $ 5.00 | A $5.00 fee is assessed for paper statements and may be avoided by enrolling in electronic statements through Online Banking or CSCU Mobile Banking . | |
| 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.