Savings/Money Market Account Fees Fee
Check Cashing
(Waived for accounts with $100 in a savings, active checking, or loan account) 
$3 or 1%
whichever is higher
Money Market Account Monthly Service Charge (Must enroll in eStatements and maintain $2,500 minimum balance to avoid fee)
$10 per month

Checking Account Fees Fee
Privilege Pay Debit Card
$0 for items ≤ $5
Non-Sufficient Funds (NSF)
$30 per transaction > $5
Stop Payment
$10 per Item
Check Printing
Bill Pay- Expedited Payment
$20 per Item
Temporary Account Checks
$5 per 8 Checks
Power Checking
$8 per month
Spark Interest
(Must enroll in estatements to earn interest)

Other Service Fees (Applicable to all accounts) Fee
Paper Statement Fee (waived for 50 Watt Checking)
Returned Check Fee
Cleared Check Copy
Account Reconciliation
$25 per hour
International Wire Trace
Wire Transfer
Wire Transfer
Wire Transfer
Excessive ATM Withdrawal-Foreign ATM Fee
Domestic Collection Item
Foreign Collection Item
$30 Minimum
Overdraft Protection Transfer
$5 Daily Max
Non-Member ATM Transactions (for Balance inquiry and transfer) $.50
Non-Member Check Cashing
$6 or 1%,
whichever is higher
Debit Card Replacement $5
Online Loan Payment
Online Loan Payment
(credit/debit card)
2.7% of payment + $5
Payments by Phone
ACH Origination
(same day)
Overnight Mail Delivery
(Member Request)
Loan Skip-a-Payment
Loan Skip-a-Payment
(email/mail/in person)
Money Order
Money Order
Returned Mail
Garnishment, Execution, Levy
$50 per Hour,
Plus Attorney Fees
$50 Each
Teller Check
Teller Check
Credit Card Replacement
(same day rush)
Credit Card Replacement
(2-3 day rush)

Safe Deposit Box Rental Annual Fees Fee
3 X 5 Box $25
3 X 10 Box $50
5 X 10 Box $75
10 X 10 Box $120
Late Payment
(30 days past due)
Key Deposit/Setup
Lost Keys/Box Drill Actual Cost

External Account Transfer Fees Fee
Non-Sufficient Funds (NSF) $30 per transaction > $5

Business Checking Account Fees Fee
Business Interest Checking Monthly Activity Fee
Transactions in Excess of 1,000 $0.25 Each
Cash Change Order
$100 Each
The rates appearing in this Rate and Fee Schedule are accurate and effective for all accounts as of the date indicated below. If you have any questions or require current rate information on your account, please call the Member Resource Center at (832) 604-4848 during normal business hours. Unless otherwise indicated, all fees listed herein will be effective September 1, 2023.