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Service charges updated April 21, 2009.

Minimize service charges with Great Rewards! Earn Bonus Rewards on certificates and loans, plus Savings Rewards discounts on service charges.

REMINDER - Please contact CME for correct wiring information before you send an incoming wire transfer. Failing to provide the correct information will result in a rerouting charge.

Service Charges Brochure

Credit Union Membership
Membership Share par value
$5.00
Membership Fee, per month
$5.00 (waived first 90 days)
Youth Account Membership Fee
None
Freedom Checking
Service Charge
None
Minimum Balance
None
Additional Accounts, per month
None
FREE non-CME ATM transactions, per month (ATM operator surcharges may apply)
8
Capital CLub Checking

Service Charge, per month
(*waived with combined loan and deposit balance of $10,000+)

$10.00*

Additional Accounts, per month

None

Aggregate balance of loan and deposit accounts to avoid service charge
$10,000
FREE non-CME ATM transactions, per month (ATM operator surcharges may apply)
Unlimited
**non-CME ATMs are those not owned by CME FCU.
Money Market Account
First six (6) withdrawals
Free
Additional withdrawals above six (6).
$5.00/each
Online Banking & ATM Fees
Online account access
Free
Online Bill Payment
Free
CME ATMs
Free
Non-CME ATMs, per transaction
$1.50/transaction
Loan Fees
Loan Processing*
$125.00
Reapplication Fee
applies only if you have been declined in the last 12 months
$25.00
Late Payment Installment and Mortgage Loans - percent of payment amount
5% of payment amount
Refinance Fee
if the original loan is refinanced within 12 months of original term.
$25.00
Miscellaneous Service Fees
Shared Branching Fee
$2.00 per transaction. Fee may be waived based on great rewards level.
Check Cashing Fee*
$10.00
Non-Sufficient Funds (ACH, Check, Returned Item, Overdraft)
$30.00

Closed Account Fee (if closed within 6 months)

$25
Dormant Account Fee
$6.00/month
Escheatment Fee
$50.00
Legal Process Fee
$25.00 (plus any applicable research fees)
Child Support
Processing Fee
$7.00
Copy of Court Check Fee
$7.00 per copy
Returned Statement Fee
$5.00 per occurrence
Copy of Check
$7.00/copy
Christmas Club Early Withdrawal, prior to first business day in November
$15.00
Replacement Card, Rush Delivery Fee
$35.00
Replacement Card Fee*
$10.00
Stop Payment (ACH, check)
$30.00
Overdraft From Savings or Loan, per transfer*
(savings overdraft transfers limited to 6 a month per Regulation D)
$5.00
Phone transfer (via CME personnel)
$7.00
Money Orders*
$4.00
Traveler's Checks

$2 per hundred* (single face)
$2.50 per hundred* (checks for two)

Official Checks - first each month is free, cost for subsequent checks ($1,000 minimum)
$4.00

Wire Rerouting Fee - assessed when you provide incorrect information for an incoming wire.

To avoid this fee, please contact CME to obtain the correct instructions and information for an incoming wire transfer.

$10.00/ per redirection of an incoming wire.
Incoming Wire Transfer
$11.00/transfer

Outgoing Wire Transfer—Domestic (in lobby or Home Banking)

Outgoing Wire Transfer-Domestic(via phone)

$20.00/transfer+

 

$35.00/transfer+

Outgoing Wire Transfer—International

Outgoing Wire Transfer-international (via phone)

$35.00/transfer

$45.00/transfer+
Shared Branching Transaction Fee
$2*

Coin Machine **

5%
Check Printing
Varies with style chosen
Statement & Balance Related Fees
Account Reconcilement
$25.00/hour
Account Research Fee
$25.00/hour
Statement Copy Fee
$7.00/copy
Safe Deposit Boxes*
Size 3 x 10
$30/year + tax
Size 5 x 10
$50/year + tax
Size 10 x 10
$70/year + tax
Drill Fee or Lost Key Fee
At cost

Effective April 21, 2009

+Effective June 1, 2009

* Discounted based on relationship. See Great Rewards.
**Coin Machine Fee: based on Great Rewards relationship.

ACH & Wire Transfers - This agreement is subject to Article 4A of the Uniform Commercial code - Funds Transfers as adopted in the state in which you have your account with us, or as adopted in New York if that state has not adopted UCC 4A. If you originate a fund transfer for which Fedwire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearinghouse association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank, or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.

All fees are subject to change. To find out if anything has changed contact CME at 614.224.8890, write us at 365 S. Fourth Street, Columbus, Ohio 43215, or email us at itsgreat@cmefcu.org.

Beginning April 2005, when you use your ATM/Debit or Credit card at a foreign ATM or for purchase outside of the US, you may notice an additional transaction on your statement.  The standard 1% fee that is normally charged by VISA or MasterCard for international transactions will now show up as a separate charge.  This processing change was made by VISA/MasterCard.
 

© 2004 CME FEDERAL CREDIT UNION : PRIVACY