Savings Account
| Account Closed within 6 Months | $5.00 |
Capitol Free Checking
| Minimum Initial Deposit | $25.00 |
| Monthly Fee | N/A |
| Stop Payment Fee -In Person/Phone | $30.00/request |
| Stop Payment Fee - Online | $20.00/request |
Kasasa Cash/Cash Back
| Minimum Initial Deposit | $25.00 |
| Monthly Fee | N/A |
| Stop Payment Fee - In person/Phone | $30.00/request |
| Stop Payment Fee - Online | $20.00/request |
Freedom Checking++
| Minimum Intial Deposit | $25.00 |
| Monthly Fee | N/A |
| Stop Payment Fee - In Person/Phone | $30.00/request |
| Stop Payment Fee - Online | $20.00/request |
InControl Checking
| Minimum Initial Deposit | $25.00 |
| Monthly Fee | $2.99 |
| Stop Payment Fee - In person/Phone | $30.00/request |
| Stop Payment Fee - Online | $20.00/request |
Fresh Start Checking**
| Minimum Initial Deposit | $25.00 |
| Monthly Fee | $15.00 |
| Stop Payment Fee - In person/Phone | $30.00/request |
| Stop Payment Fee - Online | $20.00/request |
Capitol Check Guard/Privilege Pay Program++
| Overdrawn NSF Fee | $34.50/item* |
| Courtesy Pay Fee for paid items up to an Available Balances of negative - $5.00 | $12.50/Item* |
| Courtesy Pay Fee for paid items greater than Available Balance of negative -$5.00 | $31.00/Item* |
(Check, ACH, ATM/Debit Card Transactions) ++N/A to Freedom Checking
Capitol Plus Money Market Account
| Minimum Initial Deposit | $2,500.00 |
| Monthly Fee | N/A |
| Average Daily Balance above $2,500 | N/A |
| Average Daily Balance below $2,500 | $10.00/month |
Individual Retirement Accounts (IRAs)
| Minimum Initial Deposit | N/A |
| Monthly Low Balance Fee | N/A |
Other Transaction Account Charges
| Check Printing Fee (depending on style) | Varies |
| Per Check Fee | N/A |
| Returned Check Fee | $34.50++ |
| Returned ACH Fee | $34.50++ |
| Photocopy of Paid Item (after 2 per month) | $3.00 |
| Fax Copy of Paid Item | $5.00 |
| Stop Payment - In Person/Phone* | $30.00/request |
| Stop Payment - Online* | $20.00/request |
| Official Check Stop Payment | $30.00 |
CAPITOL ACCESS Audio Response System
| Balance Inquiries | N/A |
| Check Clearings, Unlimited | N/A |
| Transfers & Withdrawals (max. 6 per month) | N/A |
| Loan Advances | N/A |
| Stop Payment* | $30.00 |
Banno Homebanking System
| Balance Inquiries | N/A |
| Check Clearings, Unlimited | N/A |
| Transfers & Withdrawals | N/A |
| Loan Advances | N/A |
| Online Bill Pay | N/A |
Miscellaneous Charges
| Official Check | $3.00 |
| Return Statement Processing Fee | $5.00 |
| Inactive Account Processing Fee** | $5.00/month |
Credit Card Fees
| Late Payment | $25.00 |
| Over the Limit | $25.00 |
| Phone Payment | $10.00/each |
| Return Payment | $25.00/item |
ATM & VISA® Debit Card
|
Fee for Non-CCU owned/affiliated machine transactions |
$2.00 |
| ATM and VISA® Debit Cards – Initial Issue | N/A |
| Replacement of ATM or VISA® | $5.00 |
| ATM/Debit Card Overdraft Fee | $34.50/item++ |
| Rushed Card Mailer | $60.00/card |
Safe Deposit Boxes (Available at our North Austin Location)
| Box Size | Annual Fee |
| 3 x 5 | $15.00 |
| 3 x 10 | $30.00 |
| 5 x 5 | $25.00 |
| 5 x 10 | $45.00 |
| 10 x 10 | $70.00 |
| Lost Safe Deposit Box Key | $10.00 + Locksmith Fee |
| Safe Deposit Box Drilling | $100.00 + Locksmith Fee |
Loan Fees
| Late Payment Fee | 5.00% of Payment Due |
| Refinance Current CCU Loan | 1.00% of Loan Balance |
| Monthly Line of Credit Fee | N/A |
| Overdraft from Line of Credit | N/A |
| Automatic Internal Loan Payment | N/A |
| DBO / External Automatic Loan Payment | N/A |
| Returned Payment (Check, ACH, Debit/Credit Card) | $40.00/item |
| Phone ACH/Debit Card Payment | $15.00 |
| Online Debit Card Payment | $5.99 |
| Online ACH payment | $4.99 |
| Skip-a-Payment Fee | $25.00 |
| Kasasa Loan Late Fee | 5% of Payment or $25, whichever is less |
| Kasasa Loan Return Fee (Check, ACH, Credit/Debit Card) | $40.00/item |
Using Credit Card or Debit Card
*Per item or per series of checks
**After 6 months inactivity and balance less than $100
****If Account Balance Less Than $100 or Non-User of CCU Services
++N/A to Freedom Checking
