Fee Schedule
Effective August 13, 2018. 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 |
| Travelers cheques – single signature – dual signature | 1.00% total purchase 2.00% total purchase |
| 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 Checking without eStatement | $2.00 |
Overdrafts
| If account is overdrawn for more than 7 consecutive days | $3.00 daily |
| Returned NSF Fee – 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 eBranch – 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) |
*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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