Fees
Each Arise Community Credit Union account holder agrees to the terms outlined in this Service Charge Disclosure and acknowledges that it is a part of their Member and Business Service Agreements.
Effective date: 6/19/25 and subject to change.
| GENERAL FEES | |
|---|---|
| Type | Charge |
| Account Reconciliation | $20.00/Hour and $20.00 minimum charge |
| Account Research | $20.00/Hour and $20.00 minimum charge |
| Cashier’s Check | $5.00/Check (Credit Union checks cleared by the Credit Union) |
| Deposit Item Return | $20.00/Item |
| Dormant Account |
$5.00/Month after 1 year(s) and account balance is less than $100.00 Membership becomes dormant after 18 months without activity if balance is less than $500. Waived if under 18 |
| Garnishment |
$25.00 |
| Statement Copy |
$5.00/Copy |
| Wire Transfer Domestic Only (Incoming) |
$10.00/Transfer |
| Wire Transfer Domestic Only (Outgoing) |
$20.00/Transfer |
| SAVINGS ACCOUNT FEES | |
|---|---|
| Type | Charge |
| Excess Reg D Transaction Fee | $10.00 |
| MONEY MARKET ACCOUNT FEES | |
|---|---|
| Type | Charge |
| Balance Below Min (Monthly) | $5.00 |
| Withdrawal Below $250 | $10.00 |
| Exceed 6 withdrawal/Month | $10.00 |
| CHECKING ACCOUNT FEES | |
|---|---|
| Type | Charge |
| Min opening deposit | $25.00 |
| Check/Share Draft Printing | $5.00 |
| NSF (Checks, Debit, ATM) | $20.00/Item |
| Returned Item | $20.00/Item |
| Stop Payment (Personal Checks or ACH) | $20.00/Request |
| SHARED BRANCHING FEES | |
|---|---|
| Type | Charge |
| Shared Branching Return Deposit Item | $20.00 |
| EFT FEES | |
|---|---|
| Type | Charge |
| Mastercard Check Card Fees | $3.00 charge for ATM withdrawals at machines we do not own (nonproprietary). |
| Nonsufficient funds fee of $20.00 per item. | |
Tips to Avoid Common Fees
- USE Privileged Status ATMs: The Shazam Network has over 30,000 ATMs nationwide with free access
- Use digital banking: Fees can be avoided by accomplishing these transactions in digital banking.
- Use your savings accounts for savings: Regulation D limits the number of transfers and electronic transactions you can perform on savings accounts to 6 per month. Using a checking account can help you avoid this limit fee.