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Zelle

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Rewards Credit Card

Fees

Approved Fee Schedule as of January 15, 2025

0	Deposit Account Fees — Consumer and Business	Name
1	Bonus Checking Account maintenance fee	$1/month
2	Money Market Account minimum balance fee	$2/month for balances below $250
3	Select Savings Account minimum balance fee	$1/month for balances below $25
4	NextGen Teen Savings Account minimum balance fee	$1/month for balances below $25
5	NextGen Teen Checking Account maintenance fee	$1/month
6	Non-sufficient funds	$25
7	Returned deposit, per item	$10
8	Stop Payment All items, including checks written, ACH transfers, Zelle® and bill payment	$15
9	Inactive Account (1) Following 12 months of account inactivity	$5/month per inactive account
10	6-11 Months Choice Certificate Early Withdrawal	90 days dividends (2)
11	12-60 Months Choice Certificate Early Withdrawal	180 days dividends (2)
12	Debit Card Replacement, per card	$8
13	Rush Debit Card Replacement	$25
14	Consumer Check Orders, per box (Civic-branded standard checks)	$10
15	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.

0	Credit Card Fees — Consumer and Business	Name
1	Returned Payment, per item	$20
2	Credit Card Replacement, per card	$8
3	Rush Credit Card Replacement	$25
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	$10
2	Credit Card Replacement, per card	$5
3	Late Payment, per month	$10

0	Service Fees — Consumer and Business	Name
1	Overdraft Transfer Service	No Fee
2	Express Delivery Service	Up to $50
3	Statement Copy, per request	$5
4	Official Check, per item	$5
5	Returned Mail for Incorrect Address (notices, statements), per month	$5
6	Returned Email for Incorrect Address, per month	$5
7	Incoming Wire Transfer	No Fee
8	Outgoing Domestic Wire Transfer, per wire	$10
9	Research, per hour	$20
10	Verification of Deposit	$15

0	Loan Fees — Consumer	Name
1	Returned Payment, per item	$20
2	Late Payment, per month	$10

0	Optional Coverages	Name
1	Gap Insurance	$675
2	Credit Life Insurance	Single $0.68/$1,000 Joint $1.13/$1,000
3	Disability Insurance	Single $1.57/$1,000 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