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 |
Privilege Pay Program++
| Overdrawn NSF Fee |
$34.50/item* |
| Overdraft Privilege Fee for paid items up to an Avail Balances of negative - $5.00 |
$12.50/Item* |
| Overdraft Privilege Fee for paid items greater than Avail 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 |
Capitol Business Plus Checking 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 |
$25.00/month |
| Transaction Fees |
|
| 1-500 |
Free |
| 501 or greater |
$0.20 per transaction |
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 |
| Copy of History, Per Month (Statement) |
$3.00 |
| Temporary Checks (Set of 8) |
$5.00 |
| Check Reorder without Reorder Form |
$3.00 |
| Research (per hour, min. 1 hour) |
$20.00 |
| Deposited Items Returned Unpaid |
| From Third Party |
$5.00 |
| From Member’s Account |
$30.00 |
| Return Bankdraft/DBO Transfer |
$30.00 |
| Money Order Fee |
$2.00 |
| VISA® Gift Card (not re-loadable) |
$3.50 |
| MasterCard® Travel Card |
$6.95 |
| Companion Card |
$2.95 |
| Reload a Travel Card In-branch |
$4.00 |
| VISA® Reloadable Debit Card |
$6.95 |
| Reload Card In-branch |
$4.00 |
| Wire Transfers (outgoing domestic) |
$15.00 |
| Quick Collect |
N/A |
| Collection Item |
$10.00 |
| FedEx® Mail Fee |
$40.00 |
| Check-Cashing Fee**** |
1.00%/item |
| Notary Public Fees - Non Member |
|
| Administering an oath or affirmation with certificate and seal |
$10.00/item |
| Acknowledgement or proof of deed or other instrument in writing, for registration, including certificate and seal |
$10.00/item
|
| Swearing a witness to a deposition, certificate, seal, or other business connected with taking deposition |
$10.00/item |
| All notarial acts not provided for |
$10.00/item |
Credit Card Fees
| Late Payment |
$25.00 |
| Over the Limit |
$25.00 |
| Phone Payment |
$10.00/each |
| Return Payment |
$25.00/item |
| Cash Advance Fee |
1.00% each Cash Advance |
| Foreign Transaction Fee |
1.00% each transaction (U.S. Dollar conversion) |
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
