Account Fees

Effective Date: 07/02/2018
Checking Account Amount
Monthly Maintenance Fee - Interest Bearing $1.00
Services Fee1 $0
Non-Sufficient Funds (NSF) / Special Handling2 $35.00
Stop Payment Order $10.00
Overdraft Transfer3 $0.50
BillPay Services – 1st 50 payments per month free4 $0

CashPoints® Global Account  
Monthly Maintenance Fee $1.00
Stop Payment Order $10.00
BillPay Services – 1st 50 payments per month free4 $0

Share (Savings), Money Market, IRA and SEP Accounts  
Membership Fee5 $5.00
Transaction Fee $0
Service Fee – Share, IRA and SEP6 $0
Service Fee – Money Market Shares6 $0

ATM, Debit and CashPoints Global Cards  
Transaction Fee $0
Card Issue/Reissue Fee7 $3.00
Lost, Stolen or Damaged Card Replacement Fee $8.00
PLUS® Network Completed Transaction/Inquiry Fee $1.00
PLUS® Network Denied Transaction/Inquiry Fee $0.35


Personal Lending  
Late Payment Fee 4% of the payment or $6.00, whichever is less

Mortgage Lending  
Late Payment Fee 4% of principal and interest payment

Miscellaneous Charges  
Returned Check / Item for Deposit or Payment $10.00
Check / Statement Copies prior to 2014 $1.00 each
Check / Statement Copies – after 2014 – Routine Requests8 $0
Check / Statement Copies – after 2014 – Excessive Requests8 $1.00 each
Cashier’s Check Purchase9 $1.00 per cashier's check
Outgoing Domestic Wire Transfer $10.00
Outgoing International Wire Transfer $25.00
Notary Service $0
Verification of Deposit Request $10.00
Retro / Historical VOD Request $20.00





Please review the Account Rules and Regulations for more information.

Fees are subject to change daily at the discretion of the Board of Directors.

1No service fee for Checking accounts if less than 50 checks pay/clear per statement cycle. A $ 0.20 per item fee will be charged for each check over the first 50.
2Non-Sufficient Funds Fees are waived for 1 day during the calendar year through the Non-Sufficient Funds Fee Free Day Program. A $35.00 fee will be assessed per Non-Sufficient Funds item after Non-Sufficient Funds Fee Free Day has been exhausted.
3A $ 0.50 fee will be assessed per overdraft transfer. If a share or money market share account is used as an overdraft transfer account, transfers are limited to six (6) per month. Transfers exceeding six (6) will be charged a fee equal to the current Non-Sufficient Funds Fee. Repeated excess transfers may result in loss of overdraft privileges.
4Additional payments are $0.20 each. This fee is debited from the designated account.
5A $5.00 membership fee is charged on the initial share account opening except for FAT CAT and Zard share accounts, that are exempt from the membership fee.
6No service fee for Share, IRA, SEP, and Money Market accounts if the minimum balance is maintained. A $1.00 service fee will be charged for Share, IRA, and SEP accounts that fall below the minimum balance of $5.00. A $2.00 service fee will be charged for Money Market accounts that fall below the minimum balance of $250.00.
7FAT CAT and Zard cards are exempt from this fee.
8No fee for routine copy requests. Excessive requests may result in a $1.00 fee per item.
9Fee applies to cashier's checks issued for less than $500 only.




*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors. © Greater Kinston Credit Union