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
Mailed Replacement Debit Card $15.00
Instant Issue Replacement Debit Card $25.00
Lending Fees Fee
Consumer Loan Late Fee (Effective 9/1/17)
Mortgage Loan Late Fee

*Fee information can be found in the loan note. You may also call the Mortgage Department @ 513-333-3881 for more information regarding fees for your loan.
$50.00 or 5% of payment
Commercial Loan Late Fee (Minimum $50.00) 5% of Payment
Credit Card Late Fee Up to $30.00
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
Skip-A-Pay $40.00
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) $5.00
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
Effective 10/28/20



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


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
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
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
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
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins
I cannot say enough good things about the service I have always received from Cinfed! Most recently, we refinanced a vehicle and dealt with Emily S.! She was quickly responsive and on top of her... 
— Serena Kain
I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
— Kyle Neises
I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
— Tira Williams

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