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	$3.00
Statement Copy/ Suffix History	$1.00 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	$2.00
Stop Payment - if permitted	$25.00
Exchange check for Money Order Non-member cashing on-us check	$10.00 $10.00

Savings Fees:



Passbook Suffix History	$1.00 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)	$20.00
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%
Payment by Phone or Balance Inquiry by Phone	$1.00 each
Rush Card	$30.00
Card Replacement	$10.00
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)	$10.00
Card Block - abuse	$5.00
Debit Card inquiry by phone	$1.00
Debit Card PIN Change at ATM or by Credit Union	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- (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, levy, DHS, subpoeanas, garnishment, 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
Mortgage Payoff Visa Gift Card Notary Fee- Non-member Notary Fee- Member Consumer Loan Application Fee (waived if loan is closed,originated or denied by Central Maine CU)	$25.00 $5.95 $10.00 Free $25.00

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