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Empower Your Financial Savvy

Through our free workshops members learn practical tips on how to reach goals and improve their personal finances.

Checking

Description Fee Waiver*
Check printing, first 20 checks $0
Check printing, after 20 checks Varies
Counter check (maximum 8 checks per member) $5
Stop payment $32
Zelle® transfer daily maximum $500 per day
Overdraft Privilege limit $500
Overdraft transfer minimum from deposit account (other than Money Market) $100
Overdraft transfer minimum from Money Market $500
Overdraft transfer increments from loan or credit card $100
Non-sufficient funds, check returned $32
Non-sufficient funds, check paid $32

 = Waived for Senior and Premier Club members.
 = Waived for Premier Club members.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

ACH (Automated Clearing House)

Description Fee Waiver*
ACH non-sufficient funds, ACH returned $32
ACH non-sufficient funds, ACH paid $32
ACH stop payment or dispute $32
ACH origination (one-time) $10

 = Waived for Premier Club members.

Debit/Credit Card

Description Fee Waiver*
Non-Summit CU ATM transaction, first 5 per month $0 each plus operator fees
Non-Summit CU ATM transaction, after 5 per month $2 each plus operator fees
Card replacement, first 1 per calendar year $0 each
Card replacement, after 1 per calendar year $10 each
PIN reset $10
Debit Card Only (DCO) account $5 per month
Debit card foreign transaction 1% of amount
Debit card ATM withdrawal maximum $500
Debit card POS withdrawal maximum, Free Checking account $3000
Debit card POS withdrawal maximum, Debit Card Only (DCO) account $2000

 = Waived for Premier Club members.

Personal Assistance

Description Fee Waiver*
Teller/certified check, first 1 per day $3 each
Teller/certified check, after 1 per day $3 each
Print account history $3
Check copies, first 10 per calendar year $3 each
Check copies, after 10 per calendar year $3 each
Statement copies, first 10 per calendar year $3 each
Statement copies, after 10 per calendar year $3 each
Excessive research/balancing assistance $15 per hour
Escheat research $50
Transfer by phone $2 per call
Balance inquiry by phone $2 per call
Loan/fee payment by phone $0 per call

 = Waived for Senior, Enhanced, Partner, and Premier Club members.
 = Waived for Kids, Youth, Senior, Partner, and Premier Club members.
 = Waived for Premier Club members.

Special Services

Description Fee Waiver*
Wire transfer, incoming $0
Wire transfer, outgoing domestic $20
Wire transfer, outgoing foreign $45
CO-OP Shared Branch transaction $2  
Use of fax/copier $0.25 per page
Expedited document delivery Our cost
Check cashing $2 per check  
Check collection (i.e., drawn on foreign bank) $15
Cash or deposit of non-member third-party check $5  
Non-member check presented by non-member for collection $10 each
Non-member verification of deposit $10 each

 = Waived for Kids, Youth, Senior, Standard, Enhanced, Partner, and Premier Club members.
 = Waived for Premier Club members.

Other Account-Related Penalties

Description Fee Waiver*
Early membership closing (within first 90 days) $10
Membership reopen (within 6 months) $25
Inactive (12 months) low-balance account $5 per account per quarter
Returned or refused check $32
Returned statement $10 per quarter
Tax levy $75
Excessive withdrawal from Membership and Special Savings account, after 3 per month $3
Early withdrawal from Christmas Club Savings (before October 1) $5
Early withdrawal from 6-to-11 month certificates Up to 90 days dividends
Early withdrawal from 12-to-39 month certificates Up to 180 days dividends
Membership Savings balance below $5 minimum $5
Money Market balance below $1000 minimum $5 per quarter
IRA balance below $500 minimum, after first year $5 per quarter

 = Waived for Kids, Youth, Senior, Standard, Enhanced, Partner, and Premier Club members.
 = Waived for Senior, Enhanced, Partner, and Premier Club members.

Safe Deposit Box

Description Fee
3 x 5 $25 per year
3 x 10 $40 per year
5 x 10 $50 per year
10 x 10 $80 per year
Lost key $25
Box drilling (per N.C. G.S. § 53C-6-13) Our cost
Late payment fee (after May 15) $10

Rental fees are automatically assessed annually on May 1 and are due by May 15.

Frequency of Statements: If you have a checking account, a loan account, or other account onto which an ACH transaction posted during the month, you will receive a monthly statement. Otherwise, you will receive a quarterly statement.

All inactive accounts, including checking, with a zero balance for more than 90 days will be closed. Summit Credit Union reserves the right to change the service charges, fees, and other features as necessary.

* Certain fees may be waived for members based on their My CU Club status. My CU Club is a program that rewards members based on their relationship with the Credit Union. See the My CU Club page for more information.

Certain new fees will be effective as of 2023-01-01.