Schedule of Fees

Rates as of Nov 27, 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)
Fee

Counter Checks (4 per sheet)
Fee
$5.00

ATM/Debit Card Fees

Rates as of Nov 27, 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
ATM Surcharge (Use Allpoint or Alliance One for surcharge free access) Varies by ATM
Cinfed ATM FREE for Members
Mailed Replacement Debit Card 15
Instant Issue Replacement Debit Card 25
Debit Card Inactive Fees
Per month after 90 days of inactivity
3

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.
Fee
3

ATM Surcharge (Use Allpoint or Alliance One for surcharge free access)
Fee
Varies by ATM

Cinfed ATM
Fee
FREE for Members

Mailed Replacement Debit Card
Fee
15

Instant Issue Replacement Debit Card
Fee
25

Debit Card Inactive Fees
Per month after 90 days of inactivity
Fee
3

Lending Fees

Rates as of Nov 27, 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 Nov 27, 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 Nov 27, 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 Nov 27, 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 Nov 27, 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 Nov 27, 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 5
Annual Rental
$40.00

3 x 10
Annual Rental
$50.00

5 x 10
Annual Rental
$80.00

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 Nov 27, 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