Fees

Effective as of April 1, 2026.
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-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	$10 per item
-11	Stop payment: All items including checks written, ACH transfers, Zelle® and bill payment	$25
-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	$75
-2	Consumer check orders, per box	Pass through
-1	Business check orders, per box	Pass through
21	Deposit account charge-off	$50
22	IRA Transfer Fee, transfers out to another institution	$25

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 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	$10 per item
2	Credit card replacement, per card	$8, after replacement of 3 or more cards in a 3-month period
3	Rush credit card replacement	$75
4	Late payment	$20 per month
5	Balance transfer, Cash advance, Annual fee, Foreign transaction conversion	No fee

-20	Service Fees — Consumer and Business	Name
-19	Overdraft transfer service	$0.50 per instance
-18	Express delivery service	Price varies
-17	Paper statements, printing and delivery	$5 per statement
-16	Statement or item copy	$5 per item
-15	Official check	$5 per item
-14	Returned mail for incorrect address (notices, statements)	$5/month
-13	Returned email for incorrect address	$5 per statement
-12	Incoming wire transfer	No fee
-11	Outgoing domestic wire transfer	$15 per wire
-10	International transaction fee, debit and credit	1%
-9	Research	$25 per hour
-8	Verification of deposit	$15
-7	Notary service, in-branch	No fee
-6	Notary service, virtual	No fee
-5	Escheatment	$50 per account
-4	Garnishment and levy fee	$75
-3	Expedited bill payment	$20
-2	Verification of deposit	$10
-1

-4	Loan Fees — Consumer	Name
-3	First mortgage late payment, per month	4% of overdue monthly payment
-2	Returned payment	$20 per item
-1	Late payment	$10 per month
4	HELOC subordination request	$250

0	Optional Coverages	Name
1	GAP Insurance	$895
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 — Business	Name
1	Returned payment	$10 per item
2	Late payment, per month	Lower of 4% or $750
3	New loan documentation preparation	$200
4	Term modification	$250
5	Rate modification (Real Estate)	0.25% of loan balance Minimum Fee: $500; Maximum Fee: $2,500
6	Rate modification (Non-Real-Estate)	0.10% of loan balance Minimum Fee: $250; Maximum Fee: $1,000

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Fees