As a cooperative institution, Coastal Federal Credit Union generally shares with all members the cost of providing individualized service to those who request it. Occasionally, situations arise which require a degree of personal service; the cost of which we feel should be an expense to the individual involved. Listed below are the fees and charges for those services. Fees are subject to change.
| ATMs |
| Coastal ATMs |
No Charge |
| ATMs not owned by Coastal |
$1.00/each over five transactions per month |
| Balance Inquiry |
$.50/inquiry |
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| ATM CARD REISSUED |
| Lost |
$10.00/item |
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| ACCOUNT RESEARCH |
| Reconciliation (1 hour minimum) |
$15.00/hour |
| Verification of Deposit |
$10.00/each |
| Copy of Deposited check |
$3.00/each |
| Call Center Balance Inquiry |
$1.00/call |
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| ADDRESS CORRECTION |
| Mail Returned for Incorrect Address |
$2.50 |
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| CHECKING |
Business Community Checking
(intended for non-profit businesses with low monthly items) |
No monthly maintenance fee.
No checking balance requirement. 50 free items*, $.25each after 50. |
| Business Basic Checking |
$10.00 monthly maintenance fee.
Waived with $2,500 average checking balance.
150 free items*, $.25 each after 150. |
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| Business Dividend Checking |
$10.00 monthly maintenance fee.
Waived with $5,000 average checking balance.
250 free items*, $.25 each after 250. |
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| Personalized Checks |
At Cost |
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| Stop-Payment Order |
| Verbal/Written |
$27.00/each |
| Automated (AMIE/COLTS) |
$8.00/each |
| Official Check |
$9.00/item |
| c-Pay |
$25.00/each |
| Lost Checkbook (Sequential Stop Payment) |
$27.00/occurrence |
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| NON-SUFFICIENT FUNDS/OVERDRAWN |
| Written Check Returned |
$27.00/item |
| Electronic Draft Returned |
$27.00/item |
| Deposit/Payment Item Returned |
$5.00-20.00/item |
| Bounce Guard (includes ACH & checks) |
$25.00/item |
| Visa Check Card |
$25.00/transaction |
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| COLLECTION ITEM |
| Item plus Direct Expenses |
$7.00-$37.00 |
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| EXCESSIVE SAVINGS WITHDRAWALS |
| Excludes: ATM |
$1.00/each over five transactions/month |
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| LARGE CASH DEPOSIT FEE** |
| No Business Checking Account |
$3.00 if over $3,000 |
| Business Basic Checking Account |
$3.00 if over $3,000 |
| Business Dividend Checking Account |
$5.00 if over $5,000 |
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| EXPRESS DELIVERY SERVICE |
| Domestic |
Cost + $5.00 |
| International |
Cost + $5.00 |
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| FOREIGN ADDRESS SERVICE |
| Per Statement |
$1.50 |
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| MEMBERSHIP FEE |
| One Time Only |
$1.00/account |
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| OVERDRAFT SERVICE CHARGE |
| Loan Account |
No Charge |
| Money Market Account |
$1.00/transfer |
| Share Account |
$1.00/transfer |
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| PHOTOCOPY OF CU CHECK/DRAFT |
| Copy of Official Check |
$3.00/each |
| Incomplete Information |
$3.00/draft |
| Date, amount, item number provided |
$2.00/draft |
| Deposit Receipt |
$3.00/each |
| Statement |
$2.00/page |
| Withdrawal Receipt |
$3.00/each |
| Copy of c-Pay check |
$25.00/each |
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| STATEMENTS |
| Special Interim |
$7.50/statement |
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| TRAVELERS CHEQUES |
| Domestic |
1% of cheque sales |
| Foreign |
1% of cheque sales |
| Cheques-for-Two |
1.5% of cheque sales |
| Gift Cheques |
$2.50/Cheque |
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| VISA CHARGES |
| Exceed Established Credit Limit |
$10.00/occurrence |
| Extra Visa Monthly Statement |
$5.00/copy |
| Late Payment |
$5.00/month |
| Returned Visa Payment Check |
$20.00/item |
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| WIRE TRANSFER OF FUNDS |
| Domestic |
$10.00/transfer |
| International |
$45.00/transfer |
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| MISCELLANEOUS |
| Official Check |
$1.00/per check payable to a third party |
| Inactive Account Fee |
$5.00/per month after 24 months of inactivity |
| Indirect Processing Fee |
$26.00 |
*Items are any business member initiated transactions and checks.
** Applies to all accounts.
