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Fees

Fees

Approved Fee Schedule as of July 18, 2023
DEPOSIT ACCOUNT FEES — CONSUMER AND BUSINESS  
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 Withdrawal 90 days dividends*
12-60 Months Choice Certificate Early Withdrawal 180 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 box Pass 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 Conversion No Fee
 
SERVICE FEES — CONSUMER AND BUSINESS  
Overdraft Transfer Service No Fee
Express Delivery Service Up to $50
Paper Statement, per month $5
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 Transfer No 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 Insurance Single $0.68/$1,000
Joint $1.13/$1,000
Disability Insurance Single $1.57/$1,000
Joint N/A
 
LOAN FEES — NONPROFIT BUSINESS  
Returned Payment/per item $10
Late Payment/month Lower of 4% or $750
 
LOAN FEES — FOR-PROFIT BUSINESS  
Returned Payment, per item $10
Late Payment, per month Lower of 4% or $750