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Fees
| -30 | Deposit Account Fees — Consumer and Business | |
|---|---|---|
| -29 | Essential Checking Account maintenance fee | $1/month |
| -28 | Signature+ Checking Account maintenance fee | $6/month |
| -27 | Money Market Account minimum balance fee | $2/month for balances below $250 |
| -26 | Choice Money Market Account minimum balance fee | $10/month for balances below $50,000 |
| -25 | Select Savings Account minimum balance fee | $1/month for balances below $5 |
| -24 | NextGen Teen Savings Account minimum balance fee | $1/month for balances below $5 |
| -23 | NextGen Teen Checking Account maintenance fee | $1/month |
| -22 | IRA minimum balance fee1 | $1/month for balances below $25 |
| -21 | HSA minimum balance fee | No fee |
| -20 | Non-sufficient funds | $25 |
| -19 | Returned deposit | $10 per item |
| -18 | Overdraft coverage through Courtesy Pay service3 | $19 per item paid |
| -17 | Stop payment: All items including checks written, ACH transfers, Zelle® and bill payment | $25 |
| -16 | Inactive/dormant account, following 18 months of account inactivity4 | $5/month per inactive account |
| -15 | Early Account closure fee (account closed within 120 days of opening) | $25 |
| -14 | Excessive transaction fee5 (Savings and Money Market Accounts) | $1/transaction starting on the 11th transaction executed for an account within a calendar month |
| -13 | 6-11 month Choice Certificate early withdrawal | 90 days dividends2 |
| -12 | 12-60 month Choice Certificate early withdrawal | 180 days dividends2 |
| -11 | 6-12 month Jumbo or IRA Choice Certificate early withdrawal | 90 days dividends2 |
| -10 | 18-60 month Jumbo or IRA Choice Certificate early withdrawal | 180 days dividends2 |
| -9 | Cash deposits at merchant locations | Fees reimbursed |
| -8 | ATM transaction | Fees reimbursed up to $20 per month6 |
| -7 | Shared Branch services | Fee varies |
| -6 | Debit card replacement, per card | $8, after replacement of 3 or more cards in a 3-month period |
| -5 | Rush debit card replacement | $75 |
| -4 | Consumer check orders, per box | Pass through |
| -3 | Business check orders, per box | Pass through |
| -2 | Deposit account charge-off | $50 |
| -1 | IRA Transfer Fee, transfers out to another institution | $25 |
1 The IRA minimum balance fee applies to the following account types: Beneficiary IRA Savings, Beneficiary Roth IRA Savings, Roth Conversion IRA Savings, Roth IRA Savings, Traditional IRA Savings, SEP Savings, and Coverdell Savings
2 Or dividends earned, whichever is less.
3 Courtesy Pay does not apply to Business Accounts.
4 The inactive/dormant account fee will not be assessed if you have conducted a transaction on any of your accounts or logged into online banking within the last 18 months. Inactive/dormant account fee does not apply to IRAs, SEP Saving accounts, or Coverdale Savings accounts.
5 Excessive transaction fees are only applicable to Savings and Money Market accounts.
6 Civic participates in select surcharge-free ATM networks. See the current list of locations. Other ATM networks may charge an ATM fee that Civic will reimburse, up to a total of $20 per month per account beginning on the first day of the month and ending on the last day. If you are eligible for an ATM fee reimbursement, funds are typically released by Civic to your account within two business days, but timing may vary.
| 0 | Credit Card Fees — Consumer and Business | |
|---|---|---|
| 1 | Returned payment | $10 per item |
| 2 | Credit card replacement, per card | $8, after replacement of 3 or more cards in a 3-month period |
| 3 | Rush credit card replacement | $75 |
| 4 | Late payment | $20 per month |
| 5 | Balance transfer, Cash advance, Annual fee | No fee |
| -20 | Service Fees — Consumer and Business | |
|---|---|---|
| -19 | Overdraft transfer service | $0.50 per instance |
| -18 | Express delivery service | Price varies |
| -17 | Paper statements, printing and delivery | $5 per statement |
| -16 | Statement or item copy | $5 per item |
| -15 | Official check | $5 per item |
| -14 | Incoming wire transfer | No fee |
| -13 | Outgoing domestic wire transfer | $15 per wire |
| -12 | International transaction fee, debit and credit | 1% |
| -11 | Research | $25 per hour |
| -10 | Verification of deposit | $10 |
| -9 | Notary service, in-branch | No fee |
| -8 | Notary service, virtual | No fee |
| -7 | Escheatment | $50 per account |
| -4 | Garnishment and levy fee | $75 |
| -2 | Expedited bill payment | $20 |
| -4 | Loan Fees — Consumer | |
|---|---|---|
| -3 | First mortgage late payment, per month | 4% of overdue monthly payment |
| -2 | Returned payment | $20 per item |
| -1 | Late payment | $10 per month |
| 4 | HELOC subordination request | $250 |
| 0 | Optional Coverages | |
|---|---|---|
| 1 | GAP Insurance | $895 |
| 2 | Credit life insurance | Single $0.68 per $1,000; Joint $0.95 per $1,000 |
| 3 | Disability insurance | Single $1.57 per $1000; Joint n/a |
| 0 | Loan Fees — Business | |
|---|---|---|
| 1 | Returned payment | $10 per item |
| 2 | Late payment, per month | Lower of 4% or $750 |
| 3 | New loan documentation preparation | $200 |
| 4 | Term modification | $250 |
| 5 | Rate modification (Real Estate) | 0.25% of loan balance Minimum Fee: $500; Maximum Fee: $2,500 |
| 6 | Rate modification (Non-Real-Estate) | 0.10% of loan balance Minimum Fee: $250; Maximum Fee: $1,000 |