Fees for personal accounts
No surprises. You deserve to know exactly what you can be charged and when, without having to sift through multiple pages of fine print.
Below you’ll find it all, simply put.
Fees for Personal Checking & Savings Accounts
Please note: Business Account Fees are different.
ATM / Visa® Debit Withdrawals
To avoid ATM withdrawal fees, please visit our many surcharge-free ATMs on MoneyPass, SUM and CO-OP ATM networks.
Check Clearing
Free, unlimited
Unlike some other financial institutions, we don’t charge
this for personal checking accounts.
Checking Minimum Balance
Non-Dividend Bearing Accounts: $0
No minimum balance
Dividend-Bearing Accounts: $6
Balance below $200
Courtesy Pay (NSF) Check / ACH
When we cover a non-sufficient funds check or ACH as a courtesy.
$35 per presentment
$210 cap per day
Loan Payment
Payment from a non-Affinity Plus debit card to an Affinity Plus loan.
$12 per payment
Returned Check/ACH
When a check or ACH is returned for various reasons.
$35 per presentment
$210 cap per day
Stop Payment
To cover the cost of stopping in-progress payments.
$35 per check
$70 series of two or more checks
WINcentive® Savings Accounts
To encourage you to save (and win prizes!), withdrawals from this account incur fees
First withdrawal per year: $10
Second withdrawal per year: $25
Service Fees for Personal Accounts
Dormant Account
When there’s no account activity for an extended period of time.
$12 per quarter
Money Market Minimum Balance
A+ Money Market: $20
Balance below $10,000
Nova Money Market: $20
Balance below $25,000
Skip-A-Payment
When you’ve arranged with us, in advance, to skip a qualifying loan payment.
$30
Statement / Research
When you request customized statement or account information.
$30 per hour
Subordination Request
When multiple mortgages’ (at multiple institutions) lien positions are re-ordered.
$250
Wire Transfer
Incoming: $10
Outgoing Domestic: $15
Outgoing Foreign: $40*
* Receiving institution may charge additional fees.
Redeem points to reverse fees.
If you actively use your Affinity Plus membership for your everyday financial transactions—swiping your debit card, depositing checks, getting a loan—then you are earning Participation Rewards Points which you can redeem to reverse fees.
