Approved Fee Schedule as of July 18, 2023
| DEPOSIT ACCOUNT FEES — CONSUMER AND BUSINESS |
|
| Non-Sufficient Funds |
$15 |
| Returned Deposit, per item |
$10 |
Stop Payment
All items, including checks written, ACH transfers, Zelle® and bill payment |
$15 |
Inactive Account
Following 12 months of account inactivity |
$5 |
| 6-11 Months Choice Certificate Early Withdrawal |
90 days dividends* |
| 12-60 Months Choice Certificate Early Withdrawal |
180 days dividends* |
| 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 |
*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 |
| Paper Statement, per month |
$5 |
| 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 |
