Fee Schedule
The rates and fees appearing in this schedule are accurate as of 05/15/2019. Some fees may change without notice. If you have any questions or require current fee information on your accounts, please call the credit union at 936-295-3980.
Savings Account Fees
| Fee | Regular Savings | Expeditions | Readishare Grandfathered | Money Market |
| Monthly Service Fee | $10 | |||
| Minimum Balance to Avoid Service Fee | $2,500 | |||
| Account Closing Fee | $25 if account closed within 180 days of opening | |||
| Check Cashing Fee* | $3 | |||
| Check Copy Fee | $5 per check | |||
| Check Printing Fee | Varies depending on check style | |||
| Coin Counting Fee* | 10% of amount counted | 10% of amount counted | ||
| Escheat Fee*** | $10 | |||
| Excessive Withdrawal Fee per withdrawal after three (3) withdrawals per calendar month |
$1 | $1 | $10 | |
| Limited Relationship Fee** | $5 | |||
| Non-Sufficient Funds (NSF) Fee | $31 per declined transaction made against insufficient funds | |||
| Postdated Item Fee | $31 per postdated item | |||
| Stop Payment Fee |
$31 per item stopped, applies to ACH Debits and Money Market Checks |
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*Applies when Savings Account Balance is less than $1,000 and member has no other share or loan accounts with CSCU
**Applies when Savings Account Balance is less than $100 and member has no other share or loan accounts with CSCU
***Assessed per account escheated to the State of Texas
| Fee | Individual Retirement Account (IRA) | |||
| IRA Plan Account Termination Fee | $10 | |||
| Trustee to Trustee Transfer Out Fee | $10 | |||
Checking Account Fees
| Fee | Expeditions Checking | Money Manager | Green Account | Basic Checking | Basic Plus Checking | Advantage 55 Checking Grandfathered |
Premier Interest Checking Grandfathered |
| Monthly Service Fee | $10 | $6 | |||||
| Minimum Balance to avoid Service Fee | $500 | ||||||
| Check Clearing Fee | $2 per check | ||||||
| Check Printing Fee | Varies depending on check style | ||||||
| Check Copy Fee | $5 per check; available free of charge with Online Banking | ||||||
| Courtesy Pay Penalty Fee | $31 per overdraft covered by an advance from CSCU | ||||||
| Non-Sufficient Funds (NSF) Fee | $31 per declined transaction made against insufficient funds | ||||||
| Overdraft Transfer Fee | $2 per overdraft covered by transfer from a linked savings account or line of credit | ||||||
| Postdated Item Request Fee | $31 per postdated item | ||||||
| Account Re-Opening Fee | $15 if account was open for fewer than six (6) months before being closed | ||||||
| Stop Payment Fee | $31 per item stopped | ||||||
| Counter Check Fee 3 checks, 1 deposit ticket per page |
$3 per page | ||||||
| ATM Access Fees | |||||||
| ATM Withdrawals, Balance Inquiries, and Transfers | $2 per withdrawal, balance inquiry or transfer performed at machines not owned by CSCU, excluding Green Accounts and Expeditions Accounts | ||||||
| Debit Card Fees - No monthly charge to use or fee per transaction (excludes overdraft protection) | |||||||
| Visa Debit Card Replacement of Lost Card Fee - Mailed | $10 | ||||||
| Visa Debit Card Replacement of Lost Card Fee - Instant Issue | $5 | ||||||
| Visa Debit Card Rush Order Fee | $5 plus delivery charge | ||||||
| Online Banking and Bill Pay Fees - No monthly service charge to use Online Banking or Bill Pay | |||||||
| Paper Statement Option Fee | $5 per statement | ||||||
| Same Day Payments Fee | $9.95 | ||||||
| Same Day Payments Fee - Popmoney | $3 | ||||||
| Stop Payment Fee | $25 per item stopped | ||||||
Other Service Fees
| Other Service Fees | Fee for Service | No Fee Alternatives | |||
| Account Collection Fee | $15 per account, applies to assignments of accounts for collection | ||||
| Account Garnishment Fee | $50 per garnishment | ||||
| Account Judgment Fee | $50 per judgment | ||||
| Account Legal Service Fee | $50 per legal service | ||||
| Account Levy Fee | $50 per levy | ||||
| Account Printout or History | $3 per printout | Account history available through CSCU Online, CSCU Mobile, Text Banking | |||
| Account Reconciliation Fee | $25 per hour, minimum of one (1) hour | CSCU Online - 21 months of eStatements available | |||
| Account Research Fee | $25 per hour, minimum of one (1) hour | ||||
| Account Transaction Document Copy | $5 per document; must provide date and amount of transaction, else research fee applies | ||||
| Cashier's Check Fee | $3 per check | ||||
| Cashier's Check Copy Fee | $5 per check | ||||
| Cashier's Check Reissue Fee | $5 per check | ||||
| Cashiers's Check Stop Payment Fee | $31 per item stopped | ||||
| Collection Item Fee - Incoming | $20 per item | ||||
| Collection Item Fee - Outgoing | $30 per item plus any pass-thru charges | ||||
| Document Copy / Fax Fee | $1 per page | ||||
| Expedited Delivery Charge | $5 plus delivery cost | ||||
| Mail Return Fee - Check Order | $5 plus delivery cost | Be sure to update your address with CSCU whenever you move | |||
| Mail Return Fee - No New Address | $5 per item returned | Be sure to update your address with CSCU whenever you move | |||
| Paper Statement w/ Online Banking Fee | $5 paper month | CSCU Online - 21 months of eStatements available | |||
| Returned Item Fee - Self | $30 per item | ||||
| Returned Item Fee - Third Party | $10 per item | ||||
| Statement Copy Fee | $5 per statement | CSCU Online - 21 months of eStatements available | |||
| Telephone Inquiry Fee | $1 per inquiry, limited to the last three (3) cleared checks | Account history available through CSCU Online, CSCU Mobile, TeleAccess | |||
| Telephone Transfer Fee | $5 per transfer | Transfer function available through CSCU Online, CSCU Mobile, TeleAccess | |||
| Third Party Check Acceptance Fee | $15 per check endorsed over to member - not originally payable to member | ||||
| Verification of Deposit Fee | $15 per verification | ||||
| Wire Transfer Fee - International | $45 per transfer | ||||
| Wire Transfer Fee - Incoming Domestic | $10 per transfer | ||||
| Wire Transfer Fee - Outgoing Domestic | $20 per transfer | ||||
| Loan Servicing Fees | Fee for Service | No Fee Alternatives | |||
| Late Payment Fee | 5% of Loan Payment Amount | ||||
| Assessed on the 16th day after the loan payment due date | |||||
| Loan Payment by Phone - Debit/Credit Card | $5 - $100: $5 per payment | Self-Service ACH Payments available through www.cscutx.com using the "Make a Payment Online" button | |||
| Fee, per payment amount | $101 - $300: $10 per payment | ||||
| $301 - $500: $15 per payment | |||||
| $501 - $700: $20 per payment | |||||
| $701 - $1,000: $25 per payment | |||||
| Loan Payment by Internet - Debit/Credit Card | $5 - $100: $5 per payment | Self-Service ACH Payments available through www.cscutx.com using the "Make a Payment Online" button | |||
| Fee, per payment amount | $101 - $300: $10 per payment | ||||
| $301 - $500: $15 per payment | |||||
| $501 - $700: $20 per payment | |||||
| $701 - $1,000: $25 per payment | |||||
| Lost Title / Title Replacement Fee | $20 per title | ||||
| Non-Sufficient Funds Payment | $31 | ||||
| Skip A Payment Fee | $25 per skip | ||||
| Visa Credit Card Servicing Fees | Fee for Service | No Fee Alternatives | |||
| Foreign Transaction Fee | 1% of each transaction in US dollars | ||||
| Late Payment Fee | $25 | ||||
| Replacement Card Fee | $25 | ||||
| Returned Payment Fee | $28 | ||||
| Fees Assessed to Non-Members | Fee for Service | No Fee Alternatives | |||
| Coin Counting Fee | 10% of amount counted | ||||
| Notary Fee | $10 per document | ||||
| On-Us Check Cashing Fee | $5 per check drawn on CSCU | ||||
