Schedule of Fees and Charges

Effective 12/01/2021
Note: Some scheduled credit union fees and charges may be waived or reduced based on other qualifying criteria. Call for details.

Checking Accounts

Account Type Fee
MyVIP Checking $10 per month
MyPoint+ Checking $6 per month
MyFreedom Checking $3 per monthWaived with eStatements
AnyAccess Checking* $8.50 per month
EZAccess Checking* $3 per monthWaived with eStatements
AccessBuilder Checking* $15 per month
*Accounts opened before 8/01/2020. No longer offered
Per-check Eight free per month; then $0.50 eachEZAccess, AccessBuilder only
Personalized checks Varies according to style
Electronic Transfer Account* $3 per month
*Accounts opened before 8/01/2020. No longer offered
Account reconciliation $25 per hour
Overdraft transfer from another share account $5 per transfer

Courtesy Pay/Overdrawn Accounts (funds not available for transfer)

Presentments per calendar year Fee
1-3 $31 per presentment
4-6 $33 per presentment
7+ $35 per presentment

Copies of paid checks Two free per statement; then $3 each
Stop payment $25
Cancel stop payment $6
Bill Pay $0 per month

Additional Fees Apply for the Following Bill Pay Services

Services Fees
Expedited Funds Check - Overnight $34.95
Expedited Funds Check - Two Days $29.95
Expedited Funds Electronic $6.95
Gift Check $2.99
Charitable Donation Check $1.99

ATM/POS/Visa Debit

Services Fee
Replacement card $5
Foreign currency conversion/ISA 1% of transaction amount
CO-OP ATM (withdrawals) Eight free per month; then $1 each
All other non-MyPoint ATM (withdrawals) $2 each
CO-OP ATM (inquiries) Eight free per month; then $1 each
All others (inquiries) $1 each

Non-CO-OP ATM transactions may be subject to fees by ATM owner or merchant.


Services Fee
UCC - 1 Green Loan - Termination $350.00
Real Estate Reconveyance $125.00 - San Diego CountyOther Counties Fees are quoted by Real Estate Department
UCC - 1 and Real Estate Subordinations
$225.00 - 14 business day - processing time
$325.00 - 3 business day - RUSH
$100.00 - Subsequent fee after initial completion for additional change requests


Services Fee
New membership $5
Close membership within 90 days of opening $5
Inactive account $10 per month


Services Fee
Cashiers check $5 each
Check cashing if non-member $5 each
Check cashing if less than $100 on deposit $2 each
Collection Item $25

Compliance with legal order:

Services Fees
Minimum billing per order $50
Labor $25 per hour
Check copy $3 each

Backup federal withholding per IRS request:

Services Fees
Set-up $25
Transmittal of Dividend $5 per payment
Immigration and Naturalization documentation $15
Notary $15 per non-MyPoint Credit Union documentFee waived for MyVIP Checking Account holders
Notice of escheat $2
Returned items: deposited, cashed or loan payment $15 each
Returned statement due to invalid address $5
Savings account maintenance $3 per monthAccounts with only regular savings and an average daily balance less than $300. Youth accounts exempt.
Signature Medallion Guarantee $15
Check by Phone $10
Statement copy $3 each
Telephone transfer checking/savings $1No charge for ARROW transactions
Temporary checks (packet of eight) $6
Transaction photo $25
Verification of deposit $10
Verification of loan and mortgage $10

Wire Transfers

Services Fee
Outgoing Domestic $25
Outgoing International $45
Incoming $10