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.

Josh, an Affinity Plus member, on a purple background.
Josh, Affinity Plus Member

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

Personalized Checks

Interest Reward Checking Accounts: Free for life

For all other checking accounts, please see price list available at any branch.

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


When you’ve arranged with us, in advance, to skip a qualifying loan payment.


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.


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.

Josh, an Affinity Plus member, on a purple background.
Josh, Affinity Plus Member