Fee Schedule

Account & Handling Fees
Monthly Activity or Service Charge	$0 for Personal, Club & Organizational Accounts $8 for Business Checking Accounts $150 for defined Money Service Business
Savings Low Balance Fee: CES requires a minimum of $5 balance in your savings (share) at all times to maintain access to credit union benefits.	$3 per month. Fee will be waived if your account maintains an average daily balance of $330 or more, open a checking account, become a VISA credit card holder, or have an open loan or line of credit with CES.
Online Bill Pay Fee	$3 per month after 45 days of non-use. Fee waived if service is used monthly.
Insufficient Funds/Courtesy Pay Fee: CES pays an item when your account does not have enough money Returned Item Fee: CES returns an item when your account does not have enough money	$29 for each item. Fee's are assessed at time of transaction and are based on available balance in account.
Checking Overdraft Loan Transfer Fee	$5 per item
Funds Transfer by Telephone with Staff Assistance	$1 per occurrence
Stop Payment Check: You request CES to stop payment of a check.	$20 for one check. $30 for a series of two or more checks. FREE if member initiates and places the hold using Online Banking (ACCESS Online) or Telephone Banking (ACCESS CU).
Stop Payment ACH: You request CES to stop payment of an ACH item.	$20 per item
Money Market Over Limit Withdrawal Fee	$25 per occurrence
Deposited Item Returned or Cashed Check Returned: You deposited or cashed an item that has been returned unpaid	$5 per item Example: You deposit a check from someone who didn't have enough money in his/her account. The amount of the deposit will be subtracted from your balance and you will be charged the Deposited Item Returned Fee.

ATM & Debit Card Fees
CES ATM	$0 for using a CES Credit Union ATM or any Alliance One ATM Network ATM to complete any transaction.
Non-CES ATM	$1 per transaction. The first four monetary and two non-monetary PIN-based transactions per month are free.
ATM Withdrawal Limit	$500 per 24-hour period
Replacement Debit Card & Visa Card	$10 per card
Replacement ATM Card	$5 per card
VISA Gift Card Issuance Fee	$3 per card

Check Cashing Fees
Check Cashing Fee for Members	$3 per check. Fee will be waived if member has more than $100 account balance with CES or has an active loan.
Check Cashing Fees for Non-Members	$3 per check for checks under $250 $5 per check for checks from $250-$1000 1% of check dollar amount for checks over $1000

Funds Availability
When Your Deposits Are Available	Cash Deposit - Same business day Direct Deposit/Wire Transfer - Same business day Check Deposit - Usually the next business day, but sometimes longer • If we place a longer hold on the check, the first $200 will be available by the next business day. • In some situations, we may notify you at the time or after your deposit is made that your funds (including the first $200) will not be available for up to seven business days. **A "business day is a non-holiday weekday. The end of business day for deposits and transfers is branch closing.

Wire Transfer Fees
Domestic Outgoing: A wire transfer that you send from your account to another U.S. bank account	$20 per item
Domestic Incoming: A wire transfer that is deposited into your account from another U.S. bank	$10 per item
Foreign Outgoing: A wire transfer that you send from your account to a bank account outside of the U.S.	$50 per item

Miscellaneous Fees
Copies of Checks	$3 for one copy, normal delivery
Certified Check: A official check issued by the Credit Union	$5 per item
Money Order or Starter Checks (set of 8): Money order can be used as an alternative to a personal check. You can purchase money orders up to $1,000	$1 per item
Foreign Item Deposit	$20 per item
Account Balancing & Research	$20 per hour, one hour minimum
Account History Printout: Staff assisted, 2 weeks or less	$2
Statement Copy (including VISA statement): Staff assisted	$5 per statement
Administrative Fee: Account closed within the first 90 days	$5
Christmas Club Early Withdrawal Fee	$25
Expedited Mail Fee (for any service)	$40
Bad Address Fee	$10 per month
Child Support Processing Fee	$5
Dormant Account Fee: An account is considered dormant if there is no activity for 12 months	$10 per quarter
Legal Process: Processing of any garnishment, tax levy or other court or administrative order against an account	$25 per item