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Fees

Approved Fee Schedule as of May 31, 2025

-21 Deposit Account Fees — Consumer and Business Name
-20 Bonus Checking Account maintenance fee $1/month
-19 Money Market Account minimum balance fee $2/month for balances below $250
-18 Select Savings Account minimum balance fee $1/month for balances below $25
-17 NextGen Teen Savings Account minimum balance fee $1/month for balances below $25
-16 NextGen Teen Checking Account maintenance fee $1/month
-15 IRA minimum balance fee $1/month for balances below $25
-14 HSA minimum balance fee No fee
-13 Non-sufficient funds $25
-12 Returned deposit, per item $10
-11 Stop payment: All items including checks written, ACH transfers, Zelle® and bill payment $15
-10 Inactive account, following 12 months of account inactivity1 $5/month per inactive account
-9 6-11 month Choice Certificate early withdrawal 90 days dividends2
-8 12-60 month Choice Certificate early withdrawal 180 days dividends2
-7 Cash deposits at merchant locations Fees reimbursed
-6 ATM transaction Fees reimbursed up to $20 per month3
-5 Shared Branch services Fee varies
-4 Debit card replacement, per card $8, after replacement of 3 or more cards in a 3-month period
-3 Rush debit card replacement $25 plus express delivery service cost
-2 Consumer check orders, per box (Civic-branded standard checks) $10; price varies for other designs
-1 Business check orders, per box Pass through

1 The dormant account fee will not be assessed if you have conducted a transaction on any of your accounts or logged into online banking within the last 12 months.

2 Or dividends earned, whichever is less.

3 Civic participates in select surcharge-free ATM networks. See the current list of locations. Other ATM networks may charge an ATM fee that Civic will reimburse, up to a total of $20 per month per debit/ATM card beginning on the first day of the month and ending on the last day. If you are eligible for an ATM fee reimbursement, funds are typically released by Civic to your account within two business days, but timing may vary.

 
0 Credit Card Fees — Consumer and Business Name
1 Returned payment, per item $20
2 Credit card replacement, per card $8, after replacement of 3 or more cards in a 3-month period
3 Rush credit card replacement $25 plus express delivery service cost
4 Late payment, per month $20
5 Balance transfer, Cash advance, Annual fee, Foreign transaction conversion No fee
0 Credit cards opened less than 12 months prior to January 15, 2025 Name
1 Returned payment, per item $20
2 Credit card replacement, per card $5, after replacement of 3 or more cards in a 3-month period
3 Late payment, per month $10/month
-12 Service Fees — Consumer and Business Name
-11 Overdraft transfer service No fee
-10 Express delivery service Price varies
-9 Statement copy (includes 1 statement and up to 20 checks) $5 per request
-8 Official check $1
-7 Returned mail for incorrect address (notices, statements) $5/month
-6 Returned email for incorrect address, per month $5
-5 Incoming wire transfer No fee
-4 Outgoing domestic wire transfer, per wire $10
-3 International transaction fee, debit and credit 1%
-2 Research, per hour $20
-1 Verification of deposit $15
12 Notary service, in-branch No fee
13 Notary service, virtual No fee
-4 Loan Fees — Consumer Name
-3 First mortgage late payment, per month 4% of overdue monthly payment
-2 Returned payment, per item $20
-1 Late payment, per month $10
0 Optional Coverages Name
1 GAP Insurance $675
2 Credit life insurance Single $0.68 per $1,000; Joint $0.95 per $1,000
3 Disability insurance Single $1.57 per $1000; Joint n/a
0 Loan Fees — Nonprofit Business Name
1 Returned payment, per item $10
2 Late payment, per month Lower of 4% or $750
0 Loan Fees — For-Profit Business Name
1 Returned payment, per item $10
2 Late payment, per month Lower of 4% or $750