Schedule of Fees

Overdraft, Non-sufficient Funds
Stop Payment Order
Paid Overdraft
Deposited Item Returned
Overdrawn Account Fee (Account balance negative for 5  business days) $30.00
Overdraft to RCA Line of Credit
Overdraft to Main or Super Share
Copies of Statements or Paid Checks
Paper Statements
Check Reorders (price varies w/design selection)
Counter Checks (4 per sheet)
ATM/Debit Card Fees
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.
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)
Mortgage Loan Late Fee
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
Account History Print Out
Bad Address Monthly Fee $5.00
Official Checks
Christmas Club Early Distribution
Certificate Early Withdrawal Admin Fee
Dormant Account
(No transactions for 5 years for Ohio, 3 years for Kentucky; IRAs 3 years
inactive for both Kentucky and Ohio)
IRA Early Distribution
Legal Garnishment/Tax Levy
Court Ordered Child/Spousal Support
Money Orders (Age 60+ = $1.00)
Nonmember Check Cashing a Cinfed Check
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
Online Banking Monthly Service Fee
Online Bill Pay Monthly Service Fee
Mobile Banking Monthly Service Fee FREE
Mobile Deposit Fee FREE
Bill Payment Stop Pay Fee
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)
Safe-Deposit Boxes
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
Key Replacement Fee
Business Services  
Business Checking Monthly Maintenance $15.00



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


We've only been members for a little over a month and already feel the difference. I don't want to name names, but let's just say Cinfed is WAY better than our previous institution that rhymes with... 
— Jeff, Dawn, & Jordan, members since 2013
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
Recently I tried to locate the Oakley office using google maps. The google directions did not get me close to Cinfed. I called the office and Liz remained on the phone until I reached the... 
— Debbie G
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

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