Schedule of Fees

Rates as of Jul 1, 2022 ET.

  Fee

Overdraft, Non-sufficient Funds

$33.00

Stop Payment Order

$33.00

Paid Overdraft

$33.00

Deposited Item Returned

$33.00

Overdrawn Account Fee (Account balance negative for 7 days)

$33.00

Overdraft to RCA Line of Credit

$5.00

Overdraft to Main or Super Share

$3.00

Copies of Statements or Paid Checks

$3.00

Enrolled in both Paper & eStatements

$5.00

Check Reorders (price varies w/design selection)

Counter Checks (4 per sheet)

$5.00

 

Overdraft, Non-sufficient Funds

Fee

$33.00

 

Stop Payment Order

Fee

$33.00

 

Paid Overdraft

Fee

$33.00

 

Deposited Item Returned

Fee

$33.00

 

Overdrawn Account Fee (Account balance negative for 7 days)

Fee

$33.00

 

Overdraft to RCA Line of Credit

Fee

$5.00

 

Overdraft to Main or Super Share

Fee

$3.00

 

Copies of Statements or Paid Checks

Fee

$3.00

 

Enrolled in both Paper & eStatements

Fee

$5.00

 

Check Reorders (price varies w/design selection)

 

Counter Checks (4 per sheet)

Fee

$5.00

ATM/Debit Card Fees

Rates as of Jul 1, 2022 ET.

  Fee

Non-Cinfed ATM transactions & inquiries (2 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.

$3.00

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

Debit Card Inactive Fees
Per month after 90 days of inactivity

$3.00

 

Non-Cinfed ATM transactions & inquiries (2 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)

 

Cinfed ATM

 

Mailed Replacement Debit Card

 

Instant Issue Replacement Debit Card

Lending Fees

Rates as of Jul 1, 2022 ET.

  Fee

Consumer Loan Late Fee

$33.00

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 $33.00

 

Consumer Loan Late Fee

Fee

$33.00

 

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.

Fee

$50.00 or 5% of payment

 

Commercial Loan Late Fee (Minimum $50.00)

Fee

5% of Payment

 

Credit Card Late Fee

Fee

Up to $33.00

Electronic Transfers

Rates as of Jul 1, 2022 ET.

  Fee

Incoming Wire

$10.00

ACH Origination Fee

$20.00

Outgoing Wire

$30.00

Outgoing International Wire

$50.00

 

Incoming Wire

Fee

$10.00

 

ACH Origination Fee

Fee

$20.00

 

Outgoing Wire

Fee

$30.00

 

Outgoing International Wire

Fee

$50.00

Miscellaneous Fees

Rates as of Jul 1, 2022 ET.

  Fee

Account History Print Out

$3.00/page

Bad Address Monthly Fee

$5.00

Official Checks

$5.00

Christmas Club Early Distribution

$10.00

Certificate Early Withdrawal Admin Fee

$33.00

Dormant Account
(No transactions for 5 years for Ohio, 3 years for Kentucky; IRAs 3 years inactive for both Kentucky and Ohio)

$50.00

IRA Early Distribution

$33.00

Legal Garnishment/Tax Levy

$50.00

Court Ordered Child/Spousal Support

$5.00

Money Orders (Age 65+ = $2.00)

$4.00

Non-member Check Cashing a Cinfed Check

$10.00

Research Fee

$33.00/hour

Research Copy Fee

$3.00/page

Account Transfer Fee (New Account Number Requested)

$50.00

Account Reopen Fee

$50.00

Skip-A-Pay

$40.00

Contact Center-Assisted Telephone Transfers
2 Free per Month

$3.00

Written Deposit/Loan Verification

$10.00

Loan Subordination Fee

$250.00

Fresh Start Checking Account Monthly Fee

$10.00

 

Account History Print Out

Fee

$3.00/page

 

Bad Address Monthly Fee

Fee

$5.00

 

Official Checks

Fee

$5.00

 

Christmas Club Early Distribution

Fee

$10.00

 

Certificate Early Withdrawal Admin Fee

Fee

$33.00

 

Dormant Account
(No transactions for 5 years for Ohio, 3 years for Kentucky; IRAs 3 years inactive for both Kentucky and Ohio)

Fee

$50.00

 

IRA Early Distribution

Fee

$33.00

 

Legal Garnishment/Tax Levy

Fee

$50.00

 

Court Ordered Child/Spousal Support

Fee

$5.00

 

Money Orders (Age 65+ = $2.00)

Fee

$4.00

 

Non-member Check Cashing a Cinfed Check

Fee

$10.00

 

Research Fee

Fee

$33.00/hour

 

Research Copy Fee

Fee

$3.00/page

 

Account Transfer Fee (New Account Number Requested)

Fee

$50.00

 

Account Reopen Fee

Fee

$50.00

 

Skip-A-Pay

Fee

$40.00

 

Contact Center-Assisted Telephone Transfers
2 Free per Month

Fee

$3.00

 

Written Deposit/Loan Verification

Fee

$10.00

 

Loan Subordination Fee

Fee

$250.00

 

Fresh Start Checking Account Monthly Fee

Fee

$10.00

Online Fees

Rates as of Jul 1, 2022 ET.

  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

$33.00

Cinfed Connection Monthly Service Fee

FREE

 

Online Banking Monthly Service Fee

Fee

FREE

 

Online Bill Pay Monthly Service Fee

Fee

FREE

 

Mobile Banking Monthly Service Fee

Fee

FREE

 

Mobile Deposit Fee

Fee

FREE

 

Bill Payment Stop Pay Fee

Fee

$33.00

 

Cinfed Connection Monthly Service Fee

Fee

FREE

Relationship Fees

Rates as of Jul 1, 2022 ET.

  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 & 65+)

$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

 

The following fees can be avoided by maintaining an account balance of $200 or more in shares and/or loans.

Fee

 

 

Monthly Paper Statement Fees (Excluding Minors & 65+)

Fee

$2.00

 

Coin Machine Usage (Excluding Minors)

Fee

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)

Fee

$5.00

Safe-Deposit Boxes

Rates as of Jul 1, 2022 ET.

  Annual Rental

3 x 5

$35.00

5 x 5

$40.00

3 x 10

$50.00

5 x 10

$80.00

10 x 10

$115.00

Box Lock Drilling Fee

$250.00

Key Replacement Fee

$15.00

 

3 x 5

Annual Rental

$35.00

 

5 x 10

Annual Rental

$80.00

 

5 x 5

Annual Rental

$40.00

 

3 x 10

Annual Rental

$50.00

 

10 x 10

Annual Rental

$115.00

 

Box Lock Drilling Fee

Annual Rental

$250.00

 

Key Replacement Fee

Annual Rental

$15.00

Business Checking

Rates as of Jul 1, 2022 ET.

  Fee

Basic Business Monthly Maintenance

FREE

Basic Business Per Transaction Fee
First 100 Transactions Free

$0.25

Premium Business Monthly Fee
Fee waived with ADB=> $2,500

$12.00

Premium Business Deposit Transaction Fee
Per $100 after $10,000 Cash, First 200 Transactions Free

$0.25

Community Business Monthly Fee
Unlimited Transactions

FREE

 

Basic Business Monthly Maintenance

Fee

FREE

 

Basic Business Per Transaction Fee
First 100 Transactions Free

Fee

$0.25

 

Premium Business Monthly Fee
Fee waived with ADB=> $2,500

Fee

$12.00

 

Premium Business Deposit Transaction Fee
Per $100 after $10,000 Cash, First 200 Transactions Free

Fee

$0.25

 

Community Business Monthly Fee
Unlimited Transactions

Fee

FREE

Cinfed Credit Union Member Limitation of Services Policy
(Adopted by the Board of Directors May 6, 2014)
POLICY GOES INTO EFFECT JULY 1, 2014

In the interest of protecting the assets of the Credit Union and maximizing dividends to members, this policy provides for Limitation of Services to members who have caused the Credit Union a loss, who have engaged in actions that put the credit union at risk of loss or liability, caused harm or threatened to cause harm to Credit Union employees, directed harassment at Credit Union employees or displayed disruptive behavior on Credit Union premises.

This policy allows one or more of the following individuals affiliated with the Credit Union to propose Limitation of Services to a member of the Credit Union. Members of the Cinfed Credit Union Board of Directors, Supervisory Committee, CEO, COO, CFO, CLO, Security / Fraud Department Personnel and Compliance Department Personnel, may limit the services of a member for cause, as listed in this policy. Limitation decisions will be based upon a majority finding of a committee consisting of at least 3 of the above individuals that Limitation of Services is in the best interest of the Credit Union.

Examples of cause for Limitation of Services would include, but not be limited to, members who cause or threaten to cause a Credit Union loss, are deemed by the Credit Union to pose a potential risk to the Credit Union’s members, assets, officers, or employees, or are deemed by the Credit Union to engage in any illegal, unethical, or disruptive conduct.

Limitation of Services Criteria:

  • Member’s failure to pay amounts due under a loan. Amounts due include, without limitation: principal; interest; fees and charges; financed insurance premiums; collection agency charges or attorney's fee incurred in collecting amounts due under a note or guarantee, in repossessing and liquidating collateral under a security agreement, or in obtaining a deficiency judgment.
  • Member's failure to provide collected funds to cover share account withdrawals or to cover checks.
  • Member's failure to provide collected funds to cover Credit Union drafts purchased by the member.
  • Member's failure to pay fees or charges due to the Credit Union for any reason.
  • Members who engage in check kiting, attempted or actual deposits of counterfeit checks or other non-negotiable items, foreign ATM transfers between checking and savings accounts which result in overdrafts of both accounts, attempted or actual theft of credit union or other members funds, or similar fraudulent type activities whereby the member illegally attempts to obtain funds not due the member.
  • Members who fail to protect blank personal checks and/or ATM and Debit Cards as evidenced by claims of lost checks, ATM and Debit Cards and/or unauthorized transactions (particularly when the forgeries are committed by persons living in the members household or those persons known to the member), or engage in similar activities resulting from failure to keep their accounts and records secure.
  • Members threatening staff, members who engage in inappropriate conduct or language directed at staff based on sex, race, national origin, marital status, sexual orientation, physical or mental impairment, age, or membership in the uniformed services, or similar activity whereby staff are subjected to verbal or physical abuse.
  • Members who have displayed disruptive behavior on Credit Union premises.
  • An employee that has his/her employment with the Credit Union terminated for cause.

A member who files bankruptcy, but signs an enforceable reaffirmation agreement or otherwise voluntarily makes arrangements to repay all amounts due, will remain eligible for membership but some services may be limited.

The Credit Union will notify persons, in writing, of their Limitation of Services, and the reasons upon which it is based.

Upon request, after a period of one year, the Credit Union will allow a person to challenge the Limitation of Services and seek reinstatement of services. The decision for allowing additional services will fall upon the committee that initiated the limitation order. If granted reinstatement, the member agrees that their account(s) may be placed in a probationary period set forth by the committee.

Notice to Current Members: The Limitation of Services criteria will be communicated to all members.

Notice to New Members: The Limitation of Services criteria will be communicated to new members at the time of application, as of the date of mailing the notice to current members.

Created: April 9, 2014
Kelly Martin Papai, BSA Compliance Officer