Fee Schedule
Effective July 1, 2019. Fees subject to change without notice. The following fees may be assessed against your account(s) and may reduce earnings.
Account History / Research
| First monthly request | no charge |
| Additional requests | $1.00 each |
| Account research / reconciliation | $20.00 per hour |
| Duplicate statement, copy of electronic document or balance verification letter | $1.00 each |
| Duplicate IRS reporting forms | $5.00 each |
Miscellaneous
| Certified checks | $5.00 each |
| Check cashing (non-BayPort Credit Union account) | $3.00 |
| Check-by-phone | $5.00 each |
| Coin redemption (non-members) | 10% of total |
| Money orders | $2.00 each |
| Garnishment / levy | $20.00 each |
| Teller check | $2.00 each |
| Stop payment | $29.00 each |
Excessive Usage
| Savings – more than 12 teller-assisted withdrawals per calendar year | $1.00 each |
| Fast Start Savings – more than 1 withdrawal per calendar quarter | $5.00 each |
| Christmas Club – more than 1 teller-assisted withdrawal per calendar year | $1.00 each |
| Vacation Club – more than 4 teller-assisted withdrawals per calendar year | $1.00 each |
| Money Market – more than 3 checks cleared per month | $5.00 per check |
| Excessive transfer/check in accordance with Regulation D | $5.00 per transaction |
Checking Accounts
| Investment Checking – min. average daily balance <$1,000.00 | $10.00 |
| Personalized Checking – min. average daily balance <$250.00 | $6.00 |
| Fresh Start Checking – monthly service – no monthly direct deposit | $5.00 $2.00 |
| Rewards/College & Career Rewards/Teen Rewards Checking without eStatement | $2.00 |
Overdrafts
| If account is overdrawn for more than 7 consecutive days | $3.00 daily |
| Returned NSF Fee* (regardless of reason) – checks/ACH/debit card/ATM card/bill payment – deposited checks and other items returned unpaid – excessive transfer of funds more than 6 transfers per month in accordance with Regulation D (paid item) | $29.00 each |
| Overdraft Privilege (Paid NSF) – checks – ACH – recurring debit transaction – bill payment | $25.00 each |
Checks
| Check printing | varies, see catalog |
| Counter/starter check | $5.00 each |
| Copy of canceled check – view Online Banking – first 2 monthly requests – additional requests – original (within 60 days) | no charge no charge $5.00 each $5.00 each |
External Transfers
| IRA external transfer | $20.00 each |
| Popmoney – premium transfer | $5.00 each |
| Wire transfer – incoming domestic – outgoing domestic | no charge $20.00 each |
Activities
| Re-opening of account within 60 days of closing | $20.00 |
| Savings account-inactive balances less than $100 and no activity in a 12-month period | $7.00 per month |
| Single service low balance fee-aggregate (Savings, Vacation Club, and/or Christmas Club only) monthly average daily balance <$500.00 | $3.00 per month |
Pinnacle Money Market
| Low balance fee (min. average daily balance < $2,500.00) | $10.00 per month |
| Closing fee (within the first 90 days of account opening) | $100.00 |
| More than 3 checks cleared per month | $10.00 per check |
| Excessive transfer/check in accordance with Regulation D | $10.00 per transaction |
Mastercard® Gift Card
| Mastercard® gift card | $3.95 each (+ card value) |
| Reloadable Prepaid Mastercard® – Maintenance and transfer fees may apply. See prepaid card disclosure. | $4.95 each (+ card value) |
Bill Payment
| Available on all checking accounts – 1 bill or more paid per month – monthly service (less than 1 bill paid per month) – bill payment concierge for members in Select & Premier relationships – bill payment concierge | no charge $2.95 no charge $20.00 |
ATM/Debit Card
| ATM balance inquiry – first two monthly occurrences – each additional inquiry | no charge $0.50 |
| Overdraft Privilege by transaction amount (paid NSF) - ATM card or everyday debit card – Less than $10.00 – $10.00 to $25.00 – over $25.00 | $5.00 $20.00 $25.00 |
| Overdrawn with card – no overdraft options available paid item | $29.00 |
| Non-proprietary ATM network fee | $1.00 per transaction |
| Replacement ATM/Debit Mastercard card | $5.00 |
| Transfers | no charge |
Deposits are permitted for BayPort Credit Union cardholders at those ATM machines that allow deposits. Refer to BayPort Funds Availability.
No surcharge will be assessed to BayPort Credit Union cardholders who use our ATM machines.
When you use an automated teller machine not owned by BayPort, you may be cahrged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund trnasfer). For additional information, please see your “Important Account Information for Our Members” brochure.
*The categories of transaction for which an Overdraft Fee may be imposed are those by any of the following means: Check, In-person Withdrawal, ATM Withdrawal or other Electronic means.
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