Schedule of Fees

Community Choice Credit Union operates under the philosophy of keeping our fees as low as possible. As a member-owner of CCCU, we want you to have affordable access to the financial services you want and need.

As of November 4, 2020


Closing account open less than six months
Overdraft transfer to checking for ACH
Check cashing for member with less than $100 savings balance, age 23+, with no other account relationship
Inactive account* fee

* If you are age 21 or older with a balance $200 or less in a membership savings account, and with no activity of the prior year, you will be accessed a monthly fee.

Share Draft/Checking

Balance checkbook


Check copy (requested via Credit Union)


NSF honored items


NSF returned items


Overdraft transfer from savings for a draft


Stop payment per item/block of checks


Business Checking

Monthly account fee


Per check fee (check written)(26 and over)


Per check deposit (26 and over)


Cash and coin deposit

$.05 per $100

Currency and coin order

$.10 per $100

Loose coin counting

5% of the amount

ACH for Employee Payrolls

Set-up fee


Monthly fee


Per item


Visa® CheckCard

ATM balance inquiries


ATM cash withdrawals

6 free, $1.50/ea

ATM deposits


Copy of sales draft


Point of sale transaction


Replace lost or stolen card


Replace damaged card


Replace Image (first image is free)


Stop payment


Online Banking

Account history statement request


Check copy


Stop payment per item/series


VISA® VISA® Platinum and MasterCard®

Annual fee


Cash Advance

3.0% or $5.00 (whichever is greater)

Late fee


Return check fee


Sales draft copy fee


Statement copy fee


Replace lost, stolen or damaged card


Replace Image (first image is free)


Stop payment (VISA cards only)


General Services

Account research


Amortization schedule


Cashiers check


Check collection


Current transaction summary (requested via Credit Union)


Copy of past statement (requested via Credit Union)


Extra copies of 1099 or W2-P


Paper statement fee




Gift Card


Money orders


Return deposit item


Return mail – 1st month no charge

$5.00/mo, 2nd month on

Convenience fee (for loan payments made by VISA/MC/Discover via phone or internet)


PayBreak – up to 30 days (loans are subject to loan officer approval – limited to three in a 12 month period: maximum of 5 times in life of closed loan)


Prepaid Visa® Card


Prepaid Visa® Card monthly maintenance


Prepaid Visa® Card (reload at CU)


Subordination agreement (for financial institution other than CCCU)


* Members under age 18 or seniors 60+ are exempt

Safe Deposit Boxes

3 x 5 x 22


5 x 5 x 22


3 x 10 x 22


5 x 10 x 22


10 x 10 x 22


Lost key


Drill box

See Department

Wire Transfers

Sending domestic


Sending international




External Transfers

Failed transaction (NSF)


Standard inbound transfer


Standard outbound transfer


Express inbound transfer


Express outbound transfer


Sent personal payment (P2P)


Received personal payment (P2P)



Stop payment ACH


Originate ACH debit from Credit Union


NSF honored items


NSF returned items


Coin Counting

$0 – $499.99


$500 + up

1% of amount

† Sales tax is applicable
‡ Taxable if related to share draft account

Service fees and changes are subject to change as per Credit Union policy. Service charges and fees may be subject to 6% sales tax. We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from a dividend-bearing account other than a time deposit, or from any other savings account.