Fee Schedule

Effective May 17, 2021. 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 requestno 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
Rewards/College & Career Rewards/Teen Rewards Checking without eStatement$2.00

Overdrafts

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
$29.00 each
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

Checks

Check printingvaries, 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
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
High Yield and Cash Back Checking account-inactive balances less than $100 and no activity in a 6-month period$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)

Deposits are permitted for BayPort Credit Union cardholders at those ATM machines that allow deposits. Refer to the Funds Availability section of your Important Account Information for Our Member brochure for further information.

No surcharges will be assessed to BayPort Credit Union cardholders who use our ATM machines.

When you use an automated teller machine not owned by us, you may be charged 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 transfer). For additional information on your account,  see your Important Account Information for Our Member brochure.

*The categories of transactions 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. Please refer to your Important Account Information for Our Member brochure for further information regarding your account, overdrafts, and and non-sufficient funds (NSF).

**Daily Cap of Overdraft Fees (paid NSF): We limit the number of overdraft fees applied to your account to four fees per day per account.

(757) 928-8850 · (800) 928-8801

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Our website contains links to websites owned and operated by third parties. If you use these links, you leave our website. BayPort Credit Union has no control over the contents of such linked websites or third parties and is not responsible for these websites, their content, or availability.

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