Fee Schedule

Service	Fee	Type
First monthly request	no charge	Account History / Research
Additional requests	$1.00 each	Account History / Research
Account research/reconciliation	$20.00 per hour	Account History / Research
Duplicate statement, copy of electronic document, or balance verification letter	$1.00 each	Account History / Research
Duplicate IRS reporting forms	$5.00 each	Account History / Research
Certified checks	$5.00 each	Miscellaneous
Check cashing (non-BayPort account)	$3.00	Miscellaneous
Check-by-phone	$5.00 each	Miscellaneous
Coin redemption (non-members)	10% of total	Miscellaneous
Garnishment / Levy	$20.00 each	Miscellaneous
Teller check	$2.00 each	Miscellaneous
Stop payment	$29.00 each	Miscellaneous
Savings more than 12 teller-assisted withdrawals per calendar year	$1.00 each	Excessive Usage
Fast Start Savings more than one withdrawal per calendar quarter	$5.00 each	Excessive Usage
Christmas Club more than one teller-assisted withdrawal per calendar year	$1.00 each	Excessive Usage
Vacation Club more than four teller-assisted withdrawals per calendar year	$1.00 each	Excessive Usage
Money Market – more than three checks cleared per month – excessive transfer / check in accordance with Regulation D	$5.00 per check $5.00 per transaction	Excessive Usage
Investment Checking min. average daily balance <$1,000.00	$10.00	Checking Accounts
Personalized Checking min. average daily balance <$250.00	$6.00	Checking Accounts
Rewards, College & Career Rewards, Teen Rewards Checking without eStatement	$2.00	Checking Accounts
Returned NSF fee* (regardless of reason) – checks/ACH/debit card/ATM card/bill payment – excessive transfer of funds more than six transfers per month in accordance with Regulation D (paid item)	$29.00 each	Overdrafts
Overdraft Privilege (Paid NSF) – checks – ACH – recurring debit transaction – bill payment	$29.00 each	Overdrafts
Overdraft Privilege (Paid NSF)** • ATM card • everyday debit card transaction – less than $10.00 – $10.00 to $25.00 – over $25.00	$5.00 each $20.00 each $29.00 each	Overdrafts
Check printing	varies, see catalog	Checks
Counter/starter check	$5.00 each	Checks
Copy of canceled check – view in Online Banking – first two monthly requests – additional requests – original (within 60 days)	no charge no charge $5.00 each $5.00 each	Checks
IRA external transfer	$20.00 each	External Transfers
Wire transfer: incoming domestic	no charge	External Transfers
Wire transfer: outgoing domestic	$20.00 each	External Transfers
Re-opening of account within 60 days of closing	$20.00	Activities
Savings account: inactive balances less than $100.00 and no activity in a 12-month period	$7.00 per month	Activities
Single-service low-balance fee: aggregate (Savings, Vacation Club, and/or Christmas Club only) monthly average daily balance <$500.00	$3.00 per month	Activities
High Yield & Cash Back Checking accounts: inactive balances less than $100.00 and no activity in a 6-month period	$3.00 per month	Activities
Low-balance fee (min. average daily balance <$2,500.00)	$10.00 per month	Pinnacle Money Market
Closing fee (within the first 90 days of account opening)	$100.00	Pinnacle Money Market
More than three checks cleared per month	$10.00 per check	Pinnacle Money Market
Excessive transfer/check in accordance with Regulation D	$10.00 per transaction	Pinnacle Money Market
Mastercard^® Gift Card	$3.95 each (+ card value)	Mastercard^® Gift Card
Reloadable Prepaid Mastercard^® – Maintenance and transfer fees may apply. See prepaid card disclosure.	$4.95 each (+ card value)	Mastercard^® Gift Card

Updated May 9, 2025 6:50 am

*Transaction categories an overdraft fee may apply to include checks, in-person and ATM withdrawals, or other electronic means.

**Daily Cap of Overdraft Fees (paid NSF): The number of overdraft fees applied is limited to four fees per day per account.

Deposits are permitted for BayPort Credit Union cardholders at automated teller machine (ATM) machines that allow deposits. No surcharges will be assessed to BayPort cardholders who use our ATMs. When you use an ATM we do not own, you may be charged a fee by the ATM operator or any network used (and charged for a balance inquiry even if you do not complete a fund transfer).

Please refer to the Important Account Information for Our Member brochure for additional information regarding your account, overdrafts, and non-sufficient funds (NSF).

Fee Schedule

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