Business Service Charges & Fees List

Basic Business Checking

• Maintenance Fee if Daily Balance Falls Below $1,000 - $10.00 monthly
• First 125 Deposited Items and 75 Cleared per Month - Free
• Additional Items Cleared - 30¢ each
• First $5,000 Cash Deposited per Month - Free
• Additional Cash Deposited - 12¢ for each $1,000
• Dividends Paid - standard rate*

Business Plus Checking

• Maintenance Fee if Daily Balance Falls Below $10,000 - $15.00 monthly
• First 225 Deposited Items and 125 Cleared per Month - Free
• Additional Items Cleared - 30¢ each
• First $10,000 Cash Deposited per Month - Free
• Additional Cash Deposited - 12¢ for each $1,000
• Dividends Paid - standard rate*

Premium Business Checking

• Maintenance Fee - $20.00 monthly
• First 325 Deposited Items and 175 Cleared per Month - Free
• Additional Items Cleared - 30¢ each
• First $35,000 Cash Deposited per Month - Free
• Additional Cash Deposited - 12¢ for each $1,000
• Dividends Paid - tiered based on balance*

Not-for-Profit Checking

• Maintenance Fee - none
• First 325 Deposited Items and 175 Cleared per Month - Free
• Additional Items Cleared - 20¢ each
• Cash Deposited per Month - No limit
• Dividends Paid - tiered based on balance*

*See our rate sheet for current rates.

Coin and Currency

• Currency Supplied - 20¢ per strap
• Rolled Coin Supplied - 10¢ per roll
• Rolled Coin Deposited - 10¢ per roll
• Bulk Coin Deposited - $5.00 per bag
• Coin Counting Machine - 9% of amount counted

Remote Deposit Capture

• 50 or fewer items per month - $25.00 per month
• 51-100 items per month - $50.00 per month
• 101 or more items per month - $75.00 per month

Account Maintenance

• Business Money Market Below Minimum Balance - $10.00
• Night Drop - $2.00 per container (not-for-profit accounts are exempt)
• Stop Payment - Pre-Authorized and Checking - $29.00 each
• Stop Payment - Credit Union Checks - $29.00 each
• Stop Payment - Visa^® Credit Card Convenience Check - $29.00 each
• Deposit Correction Notice - $2.00 each
• No Forwarding Address Fee - $5.00 monthly
• Inactive Account (after 12 months of no activity) - $3.00 monthly
• Closed Membership Account within 60 Days of Opening - $15.00
• Visa Credit Card Cash Advance - $2.00 per advance
• Items Sent for Collection - $20.00 each
• Reoccurring Electronic Loan Payment - Free
• Out-of-Country Checks - Not accepted
• Escheatment Fee - $20.00

Wires

• Incoming - $10.00 each
• Outgoing Assisted Wire - $40.00 each Domestic / $60.00 each International
• Outgoing Online Wire - $25.00 each Domestic / $40.00 each International

Checking and Debit Card Overdraft

• Share Protection Fee - $10.00 per item
• Visa Credit Card Protection Fee (APGFCU^®) - $5.00 per day
• Easy Cash Protection Fee - $5.00 per day
• Non-Sufficient Funds/Uncollected Funds* - $32.00 per occurrence (paid or returned)
• Returned Check - $20.00 per item
  *Note: Items may be re-presented if there are insufficient funds. Fees are charged each time an item is presented.

Money Orders and Checks

• Money Orders - $2.00 each
• Certified Checks - $5.50 each
• Western Union Commercial Money Orders
  • $0 - $10,000 - $20.00 each
  • Each additional $10,000 - $20.00 each
    International money order fees may vary.
• Credit Union Checks in Branch
• 1st Check - Free
• Additional Checks - $5.00

Service and Research

• Account Research Time - $5.00 per 15-minute intervals
• Balancing Checkbook - $15.00 per hour
• Legal Attachments to Account - $100.00 minimum

Document Copies

• Member - $5.00 per copy
• Non-Member - $5.00 per copy

Includes check copy, statement copy, account inquiries/history copy, photocopies, Visa sales slip copy, and other miscellaneous account information.

Notary Services

• Member - Free
• Non-Member - Not available

Replace Lost Cards

• Visa Debit Card - $7.50 each
• Visa Debit Card Rush Replacement - $25.00 each
• Visa Credit Card - $7.50 each
• Visa Credit Card Rush Replacement - $12.50 each

ATM Activity

• APGFCU and Allpoint Network ATM Transactions/Inquiries - Free
• Non-APGFCU/Allpoint Network ATM Transactions
  • Account-to-Account Transfer - $1.50 each
  • Withdrawal - $1.50 each
  • Balance Inquiry - $1.00 each
• Surcharge** (Allpoint Network) - None
• Surcharge** (Non-Allpoint Network) - determined by ATM owner
• ATM Deposit Misuse Fee - $50.00 each

**Fees may be charged by the company that owns the ATM (called a surcharge). If there is a surcharge, the fee amount will be displayed on the ATM screen, and you have the option to cancel the transaction if you do not want to pay the fee.

Safe Deposit Boxes

• Safe Deposit Box Rental (where available) - prices start at $50.00
• Lost Key(s)/Lock replacement - $25 + Drilling Contractor Fees*** 

***Contact us for an estimate on drilling contractor fees as prices may vary.

Convenience Services

• Online Banking with Bill Pay - Free
• Mobile Banking for Business¹ - Free
• Visa Debit Card - Free
• Online Statements with Check Images - Free
• Phone Banking - Free
• ACH Origination - $10 per file
• Bill Pay Stop Payment - $25.00 each
• Bill Pay Check Copy - $5.00 each
• Bill Pay Overnight Check - $14.95 each
• Bill Pay Same-Day Payment - $9.95 each
• Standard External Transfer - Free
• Next-Day External Transfer - $5.00 each
• Mailed Paper Statement (When online banking is activated. Excludes loans and Visa statements.) - $2.00
• Positive Pay Service - Free
• Positive Pay Issued Check File - Free
• Positive Pay ACH Transaction - Free

¹Message and data rates apply. Contact your mobile carrier for more information.