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Fees

Fees

Approved Fee Schedule as of June 6, 2024
DEPOSIT ACCOUNT FEES — CONSUMER AND BUSINESS 
Bonus Checking Account monthly maintenance fee$1/month
Money Market Account minimum balance fee$2/month for balances below $250
Non-sufficient funds$15
Returned deposit, per item$10
Stop Payment
All items, including checks written, ACH transfers, Zelle® and bill payment
$15
Inactive Account
Following 12 months of account inactivity
$5
6-11 Months Choice Certificate Early Withdrawal90 days dividends*
12-60 Months Choice Certificate Early Withdrawal180 days dividends*
Debit Card Replacement, per card$5
Rush Debit Card Replacement$25
Consumer Check Orders, per box (Civic-branded standard checks)$10
Business Check Orders, per boxPass Through

*Or dividends earned, whichever is less.

 
CREDIT CARD FEES — CONSUMER AND BUSINESS 
Returned Payment, per item$10
Credit Card Replacement, per card$5
Rush Credit Card Replacement$25
Late Payment, per month$10
Balance Transfer, Cash Advance, Annual Fee, Foreign Transaction ConversionNo Fee
 
SERVICE FEES — CONSUMER AND BUSINESS 
Overdraft Transfer ServiceNo Fee
Express Delivery ServiceUp to $50
Statement Copy, per request$5
Official Check, per item$5
Returned Mail for Incorrect Address (notices, statements), per month$5
Returned Email for Incorrect Address, per month$5
Incoming Wire TransferNo Fee
Outgoing Domestic Wire Transfer, per wire$10
Research, per hour$20
Verification of Deposit$15
 
LOAN FEES — CONSUMER 
Returned Payment, per item$10
Late Payment, per month$10
Gap Insurance$300
Credit Life InsuranceSingle $0.68/$1,000
Joint $1.13/$1,000
Disability InsuranceSingle $1.57/$1,000
Joint N/A
 
LOAN FEES — NONPROFIT BUSINESS 
Returned Payment/per item$10
Late Payment/monthLower of 4% or $750
 
LOAN FEES — FOR-PROFIT BUSINESS 
Returned Payment, per item$10
Late Payment, per monthLower of 4% or $750