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Schedule of Fees

  Fee
Overdraft, Non-sufficient Funds
$30.00
Stop Payment Order
$30.00
Paid Overdraft
$30.00
Deposited Item Returned
$30.00
Overdrawn Account Fee (Account balance negative for 5  business days) $30.00
Overdraft to RCA Line of Credit
$5.00
Overdraft to Main or Super Share
$2.00
Copies of Statements or Paid Checks
$2.00
Paper Statements
$5.00
Check Reorders (price varies w/design selection)
Counter Checks (4 per sheet)
$5.00
   
ATM/Debit Card Fees
Fee
Non-Cinfed ATM transactions & inquiries
(4 free per month on Non-Kasasa® checking accounts)
Receive up to $20 in ATM fee refunds each month with
Kasasa® Checking! Click here for qualifications &  details.
$2.00
ATM Surcharge (Use Allpoint or Alliance One for surcharge free access)   Varies by ATM
Cinfed ATM FREE for Members
Debit Replacement Card $15.00
   
Lending Fees Fee
Consumer Loan Late Fee (Effective 9/1/17)
$30.00
Mortgage Loan Late Fee
$50.00
Commercial Loan Late Fee (Minimum $50.00) 5% of Payment
   
Electronic Transfers Fee
Incoming Wire $10.00
ACH Origination Fee $20.00
Outgoing Wire $30.00
Outgoing International Wire $50.00
   
Miscellaneous Fees
Fee
Account History Print Out
$2.00/page
Bad Address Monthly Fee $5.00
Official Checks
$5.00
Christmas Club Early Distribution
$10.00
Certificate Early Withdrawal Admin Fee
$30.00
Dormant Account
$50.00
(No transactions for 5 years for Ohio, 3 years for Kentucky; IRAs 3 years
inactive for both Kentucky and Ohio)
IRA Early Distribution
$30.00
Legal Garnishment/Tax Levy
$50.00
Court Ordered Child/Spousal Support
$5.00
Money Orders (Age 60+ = $1.00)
$2.00
Nonmember Check Cashing a Cinfed Check
$10.00
Research Fee $30.00/hour
Research Copy Fee $2.00/page
Account Transfer Fee (New Account Number Requested) $50.00
Account Reopen Fee $50.00
   
Online Fees
Fee
Online Banking Monthly Service Fee
FREE
Online Bill Pay Monthly Service Fee
FREE
Mobile Banking Monthly Service Fee FREE
Mobile Deposit Fee FREE
Bill Payment Stop Pay Fee
$30.00
   
Relationship Fees Fee
The following fees can be avoided by maintaining an account balance of $200 or more in
shares and/or loans.
Monthly Paper Statement Fees (Excluding Minors & 60+) $2.00
Coin Machine Usage (Excluding Minors) 10%
Inactive Monthly Fee (No transactions for 12 months, fee waived if primary accountholder is under the age of 18 or account is an IRA or Certificate)
 
$5.00
   
Safe-Deposit Boxes
Fee
3 x 5 — $30.00 5 x 10 — $65.00 5 x 5 — $35.00
10 x 10 — $90.00 3 x 10 — $40.00  
Box Lock Drilling Fee
$200.00
Key Replacement Fee
$15.00
   
Business Services  
Business Checking Monthly Maintenance $15.00
   

DOWNLOAD ADDITIONAL INFORMATION:


CONTACT CINFED

Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656

MEMBER REVIEWS

They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Just closed on a Home Equity line of credit loan, and the process couldn't have been any easier. With this I was able to pay off 2 high interest credit cards and deposited the rest into a checking... 
— Thomas
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985

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