Fees

Approved Fee Schedule as of February 5, 2019
DEPOSIT ACCOUNT FEES — CONSUMER AND BUSINESS  
Non-Sufficient Funds $15
Returned Deposit, per item $10
Stop Payment
All items, including checks written, ACH transfers, and bill payment
$15
Inactive Account
Following 12 months of account inactivity
$5
Excessive Withdrawal (Regulation D limits) No Fee
1- to 3-Year STC Early Withdrawal 6 Months' Interest
>3- to 5-Year STC Early Withdrawal 12 Months' Interest
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
 
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
Outgoing International Wire Transfer, per wire $30
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