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Fees

The following list of fees reflects the philosophy of this credit union that the fairest treatment of all members requires the assessment of some fees on costly services to those members who utilize the service.

Fees for specifice products and services may also be found on their individual pages throughout our web site.

Checking Account Fees:
 Overdraft/ NSF/ Returned Check                        $25.00
 Overdraft Item Paid       $25.00
 Stop Payments       $20.00 
 Stop Payments-AnyTime Access          $5.00 
 Overdraft Transfer from Savings          $2.00 
 Statement Copy/ Suffix History          $2.00
per month
 Current Month History 
      Free 
 Check Orders 
    Varies
 Copy of Check -Free for members
 with online access
        $2.00 
 Manually Cleared Checks          $2.00 
 Over-the-counter Checks (8)          $5.00 
 Deposit Item Returned         $15.00
 Charged-off Checking       $100.00
 Copy of Deposited Check         $5.00
 Account Reconciliation - Billed in  
 quarter hour increments. $10 minimum.
       $25.00
 Money Orders/ Official Checks         $1.00
 Stop Payment - if permitted        $25.00
 Exchange check for Money Order        $10.00

Savings Fees:
                                                               
Membership Account Closed
initial 180 days
       $25.00
Passbook Suffix History          $2.00
per month
Lost Passbook         Free
Account Research 1st hour
collected prior
      $40.00
   per hour
Charged-Off Account     $100.00

Safe Deposit Box Fees:
Key Replacement                                   $25.00
Box Drilling  $125.00
Late Payment Fee    $20.00

Bill Pay Fees:
Monthly Service                                              Free   
Copy of Check      $7.50 
Stop Payment  (if allowed)     $10.00 
Research/ Payment Inquiry (1st $25
collected up front-$25 minimum
   $40.00
 per hour

Fixed Rate Share Certificate Fees:
Certificate Early Withdrawal Penalty
Number of Days 
Interest
  6 Month Term 
60 days 
 12 Month Term
90 days
 18 Month Term
120 days
 24 Month Term
180 days 
 36 Month Term
180 days 
 48 Month Term
180 days 
 60 Month Term
180 days

IRA Fixed Rate Share Certificate Fees:

 Certificate Early Withdrawal Penalty
 Number of Days
Interest
 12 Month Term
 90 days
 24 Month Term
 180 days
 36 Month Term
 180 days
 48 Month Term
 180 days
 60 Month Term
 180 days

Wealth Builder IRA Share Certificate Fees:
 Certificate Early Withdrawal Penalty
 Number of Days
Interest
 12 Month Term
 90 days
 24 Month Term
 180 days
 36 Month Term
 180 days
 48 Month Term
 180 days
 60 Month Term
 180 days

Variable Rate IRA Share Certificate Fees:
 Certificate Early Withdrawal Penalty
 Number of Days
Interest
 12 Month Term
 60 days
 18 Month Term
 60 days
 24 Month Term
 180 days

Visa Credit Card Fees:
ISA Fee     3%
Annual Fee                                                    None 
Rush Card    $30.00  
Card Replacement      $5.00 
Late Payment    $25.00 
Statement Copy      $2.00 
Insufficient Funds    $25.00 
Copy of Draft      $5.00 

Visa Debit Card Fees:
Transaction at non-Surf ATM                              $1.00 
Card Replacement (no trade-in)             $5.00 
Card Block - abuse    $5.00 
Debit Card PIN Change at ATM    Free 
Debit Card PIN Change
by CU staff 
 Free  
Balance Inquiry at non-Surf Terminal   $1.00

Miscellaneous Fees:
 Backup Withholding (at set up)                         $10.00 
 Canadian Exchange   $15.00
 Process Canadian Check   $15.00
 Dividend Check mailed to other
 Financial Institution
    $5.00
 Electronic (ACH) Withdrawal Fees:
 Stop Payment
 
  $20.00
 Insufficient Funds   $25.00
 Indemnity Return   $25.00
 FAX Fees- each page (outgoing and
 incoming). Fee waived for Members Choice
    $2.00 
 Federal Express - in U.S.   $30.00
 Laminate Items (not issued by Central
 Maine FCU)
    $1.00
      each
 Legal Processing (liens, writs,
 subpoeanas, etc)
  $25.00
 Wire Fee: Outgoing (each attempt)
                    Incoming
  $15.00
     Free
 Photocopies (within reason)      Free
 Returned Mail     $3.00
 Telephone Transaction or Inquiry     $1.00
      each
 Verification of Deposit (to requestor)     $5.00
 Close Out IRA  $10.00
 

PLEASE NOTE: Fees will never be assessed if they are the result of
credit union error. Some fees are waived for Members Choice.



Central Maine Federal Credit Union
1000 Lisbon Street
Lewiston, ME 04241
1-207-783-1475
Fax: 1-207-777-1914
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