Approved Fee Schedule as of November 5, 2024| DEPOSIT ACCOUNT FEES — CONSUMER AND BUSINESS | |
|---|
| Bonus Checking Account monthly maintenance fee | $1/month |
| Money Market Account minimum balance fee | $2/month for balances below $250 |
| Non-sufficient funds | $15 |
| Returned deposit, per item | $10 |
Stop Payment
All items, including checks written, ACH transfers, Zelle® and bill payment | $15 |
Inactive Account1
Following 12 months of account inactivity | $5/month per inactive account |
| 6-11 Months Choice Certificate Early Withdrawal | 90 days dividends2 |
| 12-60 Months Choice Certificate Early Withdrawal | 180 days dividends2 |
| Debit Card Replacement, per card | $5 |
| Rush Debit Card Replacement | $25 |
| Consumer Check Orders, per box (Civic-branded standard checks) | $10 |
| Business Check Orders, per box | Pass Through |
1 Starting November 30, 2024 an inactive fee will be charged each month to each inactive account, until the accounts are reactivated.
2 Or dividends earned, whichever is less.
| CREDIT CARD FEES — CONSUMER AND BUSINESS | |
|---|
| Returned Payment, per item | $10 |
| Credit Card Replacement, per card | $5 |
| Rush Credit Card Replacement | $25 |
| Late Payment, per month | $10 |
| Balance Transfer, Cash Advance, Annual Fee, Foreign Transaction Conversion | No Fee |
| SERVICE FEES — CONSUMER AND BUSINESS | |
|---|
| Overdraft Transfer Service | No Fee |
| Express Delivery Service | Up to $50 |
| Statement Copy, per request | $5 |
| Official Check, per item | $5 |
| Returned Mail for Incorrect Address (notices, statements), per month | $5 |
| Returned Email for Incorrect Address, per month | $5 |
| Incoming Wire Transfer | No Fee |
| Outgoing Domestic Wire Transfer, per wire | $10 |
| Research, per hour | $20 |
| Verification of Deposit | $15 |
| LOAN FEES — CONSUMER | |
|---|
| Returned Payment, per item | $10 |
| Late Payment, per month | $10 |
| Gap Insurance | $300 |
| Credit Life Insurance | Single $0.68/$1,000
Joint $1.13/$1,000 |
| Disability Insurance | Single $1.57/$1,000
Joint N/A |
| LOAN FEES — NONPROFIT BUSINESS | |
|---|
| Returned Payment/per item | $10 |
| Late Payment/month | Lower of 4% or $750 |
| LOAN FEES — FOR-PROFIT BUSINESS | |
|---|
| Returned Payment, per item | $10 |
| Late Payment, per month | Lower of 4% or $750 |
