Fee Schedule

as of July 31, 2023

SHARE VALUE FEES

Cause	Fee
Par Value if One Share	$1.00 par value, must complete 1 share within 90 days of account opening.

SAVINGS ACCOUNT FEES

Cause	Fee
Dormant Account	$10.00 per month if no activity for 1 year and balance less than $100.00 and no other services used
Excessive Withdrawal Fee (over 6 a month)	$35.00 per occurrence
Overdraft (EFT Item Paid)	$35.00 per occurrence
Reopen 3rd time & on	$50.00
Christmas Club Account Withdrawal	$10.00 per occurrence

REGULAR CHECKING ACCOUNT FEES

Cause	Fee
Dormant Account	$15.00 per month if no activity for 1 year and balance less than $300.00 and no other services (excluding Primary Savings account)
Overdraft Privilege	$35.00 per EFT or check occurrence
Returned Item (NSF or Other Reason)	$35.00 per occurrence
Stop Payment	$35.00 per item
Copy of Draft Check	$5.00 per item
Draft/Check Printing	Prices vary depending upon style
Counter Checks	$5.00 per page of 4 checks
2nd Chance Checking	$10.00 per month

BUSINESS CHECKING ACCOUNT FEES

Cause	Fee
Same fees apply as the Regular Checking Account	See above
Monthly Maintenance	$10.00 per month

MONEY MARKET ACCOUNT FEES

Cause	Fee
Minimum Balance	$10.00 per month if average daily balance falls below $2,500.00
Copy of Money Market Check	$5.00 per Item
Excessive Withdrawal Fee (over 6 a month)	$35.00 per occurrence

OTHER SERVICE FEES
(applicable to all accounts)

Cause	Fee
Close Account (Within 90 Days)	$50.00
Account Reconciliation/Research	$25.00 per hour
Delete Joint Member	$15.00 per request
Deposited Item Returned	$15.00 per item
Visa Gift Cards	$6.00 per card
Wire Transfers-Domestic (Incoming/Outgoing)	$30.00
Wire Transfer-International (Incoming/Outgoing)	$50.00
Western Union- Domestic (Outgoing only)	$30.00
Western Union- International (Outgoing only)	$50.00
Money Order	$5.00 per item
Returned Mail	$15.00 (monthly after the 2nd month of returned mail)
Paper Statement Fee	$5.00 per statement cycle
Print/Reprint Statement	$5.00
Teller Check Payable to Third Party	$10.00
Visa Travel Money Card	$10.00 per card (replenish fee $5.00 each occurrence if completed by CMCCU employee)
Garnishment or Tax Levy	$100.00 per time
E-Statement	No charge
Coin Processing (member)	5% per transaction
Telephone Transfer Request	$1.00 per occurrence
Lien Release Reprint	$10.00 per item
Check Cashing (without a checking account or loan	$5.00 per item
CD Early Withdrawal Penalty	$25.00 per occurrence plus (31 or 90 days interest penalty)
Loan Origination Fee	$50.00 per loan
Fax/Photocopy Fee	$1.00 per page / $5.00 maximum

INDIVIDUAL RETIREMENT ACCOUNTS (IRA) FEES

Cause	Fee
IRA Dormant Account	$15.00 per month if no activity for 1 year and balance less than $100.00

ATM CARD OR VISA CHECK CARD FEES

Cause	Fee
First Card	Free
Replacement Cards	$10.00 per card
Rush Delivery for Replacement or New Card	$65.00 per card
Non-Proprietary ATM Transaction	$1.00 per transaction

VIRTUAL BRANCH ON-LINE BANKING FEES

Cause	Fee
Bill Pay Online	$10.00 per month or Free with E-Statements

SAFE DEPOSIT BOX ANNUAL FEES-Warrensburg and Sedalia

Sizes	Fee
3" x 5" x 21.5" Safe Box	$25.00
3" X 10" x 21.5" Safe Box	$35.00
5" X 10" x 21.5" Safe Box	$45.00
10" X 10" x 21.5" Safe Box	$75.00

Drilling Fees	$80.00 plus cost per occurrence
Key Replacement	$35.00 per occurrence

Non-Member Fees

ATM Surcharge Fee	$6.00 per occurrence
Coin Processing	$15% per transaction
On Us Check Cashed (non-member)	$10.00 per item

The fees appearing with this Schedule are accurate as indicated on the Truth-in-Savings Disclosure. If you have any questions or require current and fee information on your account, please call the Credit Union at 660-747-3311.