Effective November 1, 2020
| 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. |
| 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 any CSCU branch. |
| 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. |
| Returned Mail | $4.00 | We mail you an official CSCU document, notice, or statement, and we have a bad address on file for you - causing the item to be returned to us. You can avoid this fee by insuring we always have your current address on file - either by stopping in the branch to tell us in person, or by changing your mailing address yourself inside It's Me 247 Online Banking. Also be sure we have your current e-mail address on file, as our latest news and events are now delivered electronically. |
| 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 instead making that payment electronically through Bill Pay 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. |
| Bill Pay or Pay Anyone | Free | You can utilize our Bill Pay or Pay Anyone features inside It's Me 247 Online Banking or CSCU Mobile Banking at no charge. |
| Debit Card, Replacement | $5.00 | 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 5 - 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. |
| Cashing a Check for Non-Members | $5.00 | You stop by our branch to cash a CSCU check made out to you. You may avoid this fee by becoming a CSCU Member and opening a Share Savings or Rewards account with us. |
| Personal Checks (pack of 4) | $2.00 | 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. |
| Check Deposit, Returned | $15.00 | You deposit a check with us, received from someone else, and we send it to the paying bank 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 bank to make your CSCU loan payment, 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. |
| Wire Transfer Out | $24.00 | 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 currently wire money outside the United States. |
| Wire Transfer In | $12.00 | 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 currently accept inbound wires from outside the United States. |
| Account Early Closure | $15.00 | You open a CSCU Share Savings, Draft Checking, or Rewards account - and then close it within 180 days of opening. You can avoid this fee by simply keeping that account open and active. |
| Late Payments | varies | You have a CSCU loan and don't make your loan payment on time. This fee is the greater of 5% of your missed payment or $15 - each occurrence. You can avoid this fee by simply making your CSCU loan payments when they are due. |
| 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 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 insuring 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 insuring 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 | $50.00 | 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. |
| Safe Deposit Box, Drill | $97.00 | 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. |
| 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 bank - each occurrence. You can avoid this fee by initiating the electronic payment at the other bank instead, or by making an automatic internal transfer from your CSCU Share Savings, Draft Checking, or Rewards account. |
| One Time Electronic Payment - by Card | up to $55.00 | You want us to initiate a one-time payment of up to $2,500 to your CSCU account, using a Credit or Debit card. This fee varies, but may be a substantial percentage of your payment amount. You can avoid this fee by instead initiating an electronic payment to us at another bank, or by making an automatic internal transfer from your CSCU Share Savings, Draft Checking, or Rewards account. |
** 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.