Fraud attempts increase this time of year! Don’t interact with someone who contacts you asking for credit card or account information. Contact Cinfed at 513-333-3800 to confirm.
Schedule of Fees
Rates as of Nov 4, 2025 ET.
| Fee | |
|---|---|
| Overdraft, Non-sufficient Funds | $18.00 |
| Stop Payment Order | $33.00 |
| Deposited Item Returned | $33.00 |
| Overdrawn Account Fee (Account balance negative for 7 consecutive days) | $33.00 |
| Overdraft from RCA Line of Credit | $5.00 |
| 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 $18.00 |
|
Stop Payment Order
|
|---|
|
Fee $33.00 |
|
Deposited Item Returned
|
|---|
|
Fee $33.00 |
|
Overdrawn Account Fee (Account balance negative for 7 consecutive days)
|
|---|
|
Fee $33.00 |
|
Overdraft from RCA Line of Credit
|
|---|
|
Fee $5.00 |
|
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 4, 2025 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* when qualifications are met. Click here for more 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 |
|
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* when qualifications are met. Click here for more details. |
|---|
|
Fee $3.00 |
|
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 $15.00 |
|
Instant Issue Replacement Debit Card
|
|---|
|
Fee $25.00 |
Lending Fees
Rates as of Nov 4, 2025 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 4, 2025 ET.
| Fee | |
|---|---|
| Incoming Wire | $10.00 |
| ACH Origination Fee | $20.00 |
| Domestic Outgoing Wire | $30.00 |
| Outgoing International Wire | $50.00 |
|
Incoming Wire
|
|---|
|
Fee $10.00 |
|
ACH Origination Fee
|
|---|
|
Fee $20.00 |
|
Domestic Outgoing Wire
|
|---|
|
Fee $30.00 |
|
Outgoing International Wire
|
|---|
|
Fee $50.00 |
Miscellaneous Fees
Rates as of Nov 4, 2025 ET.
| Fee | |
|---|---|
| Account History Print Out | $3.00/page |
| Bad Address Monthly Fee | $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) |
$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 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 (not available for every account) | $40.00 |
| 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 |
|
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) |
|---|
|
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 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 (not available for every account)
|
|---|
|
Fee $40.00 |
|
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 4, 2025 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 4, 2025 ET.
| Fee | |
|---|---|
| The following fees can be avoided by maintaining an aggregate average daily balance (AADB) of $500 or more in shares or a loan with a $500 balance on the last day of the month. | |
| Official Checks | $5.00 |
| 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 HSA) | $10.00 |
| Debit Card Inactive Fees (Per month after 90 days of inactivity) |
$5.00 |
|
The following fees can be avoided by maintaining an aggregate average daily balance (AADB) of $500 or more in shares or a loan with a $500 balance on the last day of the month.
|
|---|
|
Fee |
|
Official Checks
|
|---|
|
Fee $5.00 |
|
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 HSA)
|
|---|
|
Fee $10.00 |
|
Debit Card Inactive Fees
(Per month after 90 days of inactivity) |
|---|
|
Fee $5.00 |
Safe-Deposit Boxes
Rates as of Nov 4, 2025 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 |
|
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 |
Business Checking
Rates as of Nov 4, 2025 ET.
| Fee | |
|---|---|
| Basic Business Monthly Maintenance | FREE |
| Basic Business Per Transaction Fee First 100 Transactions Free |
$0.25 |
| Advantage Business Monthly Fee Fee waived with ADB*=> $2,500 or Total Relationship=> $10,000. |
$7.00 |
| Advantage Business Per Transaction Fee First 200 Transactions Free |
$0.25 |
| Premium Business Monthly Fee Fee waived with ADB*=> $15,000 or Total Relationship=> $25,000. |
$15.00 |
| Premium Business Per Transaction Fee Unlimited Transactions |
FREE |
| Community Business Monthly Fee Unlimited Transactions |
FREE |
| Click here for more information. |
*ADB = Average Daily Balance.
|
Basic Business Monthly Maintenance
|
|---|
|
Fee FREE |
|
Basic Business Per Transaction Fee
First 100 Transactions Free |
|---|
|
Fee $0.25 |
|
Advantage Business Monthly Fee
Fee waived with ADB*=> $2,500 or Total Relationship=> $10,000. |
|---|
|
Fee $7.00 |
|
Advantage Business Per Transaction Fee
First 200 Transactions Free |
|---|
|
Fee $0.25 |
|
Premium Business Monthly Fee
Fee waived with ADB*=> $15,000 or Total Relationship=> $25,000. |
|---|
|
Fee $15.00 |
|
Premium Business Per Transaction Fee
Unlimited Transactions |
|---|
|
Fee FREE |
|
Community Business Monthly Fee
Unlimited Transactions |
|---|
|
Fee FREE |
|
|
|---|
|
Fee |
*ADB = Average Daily Balance.