Community Service Credit Union

Fee Schedule

The rates and fees appearing in this schedule are accurate as of 07/01/2015.  Some fees may change without notice.  If you have any questions or require current fee information on your accounts, please call the credit union at 936-295-3980.

 

Savings Account Fees

 Fee Regular Savings Expeditions Readishare  Grandfathered Money Market
 Monthly Service Fee       $10
 Minimum Balance to Avoid Service Fee       $2,500
 Account Closing Fee $25 if account closed within 180 days of opening    
 Check Cashing Fee* $3      
 Check Copy Fee       $5 per check
 Check Printing Fee       Varies depending on check style
 Coin Counting Fee* 10% of amount counted   10% of amount counted  
 Escheat Fee*** $10
 Excessive Withdrawal Fee
 per withdrawal after three (3) withdrawals per calendar  month
$1 $1   $10
 Limited Relationship Fee** $5      
 Non-Sufficient Funds (NSF) Fee   $29 per declined transaction made against insufficient funds
 Postdated Item Fee       $29 per postdated item
 Stop Payment Fee

$29 per item stopped, applies to ACH Debits and Money Market Checks

 *Applies when Savings Account Balance is less than $1,000 and member has no other share or loan accounts with CSCU
**Applies when Savings Account Balance is less than $100 and member has no other share or loan accounts with CSCU
***Assessed per account escheated to the State of Texas

 Fee Individual Retirement Account (IRA)
 IRA Plan Account Termination Fee $10
 Trustee to Trustee Transfer Out Fee $10

 

Checking Account Fees

 Fee Expeditions Checking Money Manager Green Account Basic Checking Basic Plus Checking Advantage 55 Checking
Grandfathered
Premier Interest Checking
Grandfathered
 Monthly Service Fee   $10     $6    
 Minimum Balance  to avoid Service Fee         $500    
 Check Clearing Fee   $2 per check        
 Check Printing Fee       Varies depending on check style
 Check Copy Fee $5 per check; available free of charge with Online Banking
 Courtesy Pay  Penalty Fee     $29 per overdraft covered by an advance from CSCU
 Non-Sufficient Funds (NSF) Fee $29 per declined transaction made against insufficient funds
 Overdraft Transfer Fee $2 per overdraft covered by transfer from a linked savings account or line of credit
 Postdated Item Request Fee $29 per postdated item
 Account Re-Opening Fee   $15 if account was open for fewer than six (6) months before being closed    
Stop Payment Fee $29 per item stopped
Counter Check Fee
 3 checks, 1 deposit ticket per page
    $1 per page

 

 ATM Access Fees
 ATM Withdrawals, Balance Inquiries, and Transfers $1 per withdrawal, balance inquiry or transfer performed at machines not owned by CSCU, excluding Green Accounts and Expeditions Accounts

 

 Debit Card Fees - No monthly charge to use or fee per transaction (excludes overdraft protection)
 Visa Debit Card Replacement of Lost Card Fee - Mailed $10
 Visa Debit Card Replacement of Lost Card Fee - Instant Issue $5
 Visa Debit Card Rush Order Fee $5 plus delivery charge

 

 Online Banking and Bill Pay Fees - No monthly service charge to use Online Banking or Bill Pay
 Paper Statement Option Fee $3 per statement
 Same Day Payments Fee $9.95
 Same Day Payments Fee - Popmoney $3
 Stop Payment Fee $29 per item stopped

 

Other Service Fees

 Other Service Fees  Fee for Service  No Fee Alternatives
 Account Collection Fee $15 per account, applies to assignments of accounts for collection  
 Account Garnishment Fee $50 per garnishment  
 Account Judgment Fee $50 per judgment  
 Account Legal Service Fee $50 per legal service  
 Account Levy Fee $50 per levy  
 Account Printout or History $3 per printout Account history available through CSCU Online, CSCU Mobile, Text Banking
 Account Reconciliation Fee $25 per hour, minimum of one (1) hour CSCU Online - 21 months of eStatements available
 Account Research Fee $25 per hour, minimum of one (1) hour
 Account Transaction Document Copy $5 per document; must provide date and amount of transaction, else research fee applies  
 Cashier's Check Fee $3 per check  
 Cashier's Check Copy Fee $5 per check  
 Cashier's Check Reissue Fee $5 per check  
 Cashiers's Check Stop Payment Fee $29 per item stopped  
 Collection Item Fee - Incoming $10 per item  
 Collection Item Fee - Outgoing $10 per item plus any pass thru charges  
 Document Copy / Fax Fee $1 per page  
 Expedited Delivery Charge $5 plus delivery cost  
 Gift Card Fee $3.95 per card; other fees apply to use of card. See separate disclosure.  
 Mail Return Fee - Check Order $5 plus delivery cost Be sure to update your address with CSCU whenever you move
 Mail Return Fee - No New Address $5 per item returned Be sure to update your address with CSCU whenever you move
 Money Order Fee $3 per money order Pay bills with a CSCU Visa Debit Card or CSCU Bill Pay
 Paper Statement w/ Online Banking Fee $3 per month CSCU Online - 21 months of eStatements available
 Returned Deposit Item Fee $29 per item  
 Statement Copy Fee $5 per statement CSCU Online - 21 months of eStatements available
 Telephone Inquiry Fee $1 per inquiry, limited to the last three (3) cleared checks Account history available through CSCU Online, CSCU Mobile, TeleAccess
 Telephone Transfer Fee $5 per transfer Transfer function available through CSCU Online, CSCU Mobile, TeleAccess
 Third Party Check Acceptance  Fee                 $15 per check endorsed over to member - not originally payable to member  
 Verification of Deposit Fee $15 per verification  
 Wire Transfer Fee - Incoming International $40 per transfer  
 Wire Transfer Fee - Outgoing Domestic $15 per transfer  
 Wire Transfer Fee - Outgoing International $40 per transfer  
 Loan Servicing Fees Fee for Service No Fee Alternatives
 Late Payment Fee 5% of Loan Payment Amount  
Assessed on the 16th day after the loan payment due date
 Loan Payment by Phone - Debit/Credit Card $5 - $100: $5 per payment Self-Service ACH Payments available through www.cscutx.com using the "Make a Payment Online" button
Fee, per payment amount $101 - $300: $10 per payment
  $301 - $500: $15 per payment
  $501 - $700: $20 per payment
  $701 - $1,000: $25 per payment
Loan Payment by Internet - Debit/Credit Card $5 - $100: $5 per payment Self-Service ACH Payments available through www.cscutx.com using the "Make a Payment Online" button
Fee, per payment amount $101 - $300: $10 per payment
  $301 - $500: $15 per payment
  $501 - $700: $20 per payment
  $701 - $1,000: $25 per payment
 Lost Title / Title Replacement Fee $20 per title  
 Non-Sufficient Funds Payment $29  
 Skip A Payment Fee $25 per skip  
 Visa Credit Card Servicing Fees Fee for Service No Fee Alternatives
 Foreign Transaction Fee 1% of each transaction in US dollars  
 Late Payment Fee $25  
 Replacement Card Fee $25  
 Returned Payment Fee $28  
 Fees Assessed to Non-Members Fee for Service No Fee Alternatives
 Coin Counting Fee 10% of amount counted  
 Notary Fee $10 per document  
 On-Us Check Cashing Fee $3 per check drawn on CSCU  
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877.293.3980|250 FM 2821, Huntsville, Texas

Equal Housing Lender National Credit Union Administration
We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act

Federally Insured by the National Credit Union Administration.