resources Banking Notices

Important Fee Changes

April 01, 2017

Dear Member:

Please review this fee schedule for details regarding our fee structure.

For more information on fee changes, visit your local branch or call (203) 288-1695.


Service Fee
All Services and Accounts
ACH- Debits Reversed/Returned Due to Insufficient Funds $25.00
ACH/ATM- Transactions causing a Negative Balance $25.00
ACH Stop Payment $12.00
Redeposited Item $10.00
Returned Checks- Insufficient Funds Fee (Deposited or Loan/VISA Payment) $25.00
Official Check Stop Payment $30.00
Dormant Account Maintenance/Quarter $5.00
Returned Mail-Change of Address Fee $5.00
Closed Account Fee $5.00
Record Retrieval Fees
Photocopy of CU Check/Other Record $2.00
Microfiche Copy of Closed Account $5.00
VISA Credit Card
Late Payment Fee $10.00
Statement Copy Fee $5.00
Document Copy Fee $5.00
Bill Payment Services
Monthly (Flaggship Plus & Plus 50 Checking) FREE
Monthly (Regular/Student Checking) (Fee Waived if daily available balance is over $500 for statement cycle) $6.00
Inactive Home Banking (no login for 90 days) $3.00
Checking (Share Draft) Accounts and MasterMoney Debit and ATM Cards
Flaggship Plus Checking Fee (monthly) $6.00
Flaggship Plus 50 Checking Fee (monthly) $4.00
HSA Fee (Monthly)- (Fee Waived if there is an active checking account with 5 or more POS transactions per month and at least $500 in Direct Deposit) $5.00
Overdraft Transfer Fee (per item) $7.00
Manual Check Overdraft Trans. (per item) $7.00
Bill Payment Overdraft (per item) $25.00
Check Stop Payment Order $12.00
Insufficient/Uncollected funds fee $25.00
Courtesy Pay Fee (per item) $34.00
Check Deposited to Credit Union Account and Subsequently Returned $25.00
Checking Account Balancing (1 Hour min.) $30.00
Each Additional Hour $20.00
Check Photocopies $5.00
Reissue ATM/Debit Card (Lost Card) $5.00
Reissue ATM/Debit Card (Compromised Card) NO FEE
Reissue PIN (Personal Identification Number) $5.00
Rush Order ATM Debit Card $25.00
ATM Fee (per transaction in excess of account type limits) $1.00
Mortgage Loan Subordination $100.00 per loan
Excessive Transactions (Reg. D Limit) $5.00
Foreign ATM Usage Fee (Non SUM or CO-OP ATMs) $1.00 per transaction
Official/Teller Checks (payable to third party payees) $2.00 per check
Miscellaneous Services
Real Estate Loan Application Fee $395.00
IRA Account Closing $25.00
IRS/ Wage/Court executions $50.00
Personal Appearance Fee for Legal Matters $150.00 Per Hour
Third Party Services
Western Union (Origination Only $5.00
American Express Travelers Cheques:
One Signature NO FEE
Two Signatures (per $100) $1.00
American Express Gift Cheque:
$25.00 $2.00
$50.00 $2.25
$100.00 $2.50
Please note the changes to the fee schedule:

•HSA Accounts will be assesed $5 monthly fee. See details on how to be excluded.

•Courtesy pay is increasing to $34 per item.

•The inactive bill pay fee has been removed.