FRAUD REMINDER: We’ll never ask for your online banking credentials, PIN, Social Security number, or one-time passcode by phone or text. If you’re ever unsure, hang up and call us at 989-799-8744.

October 12th: Our Washington branch opening is delayed while we work to get back online. We’ll let you know as soon as we’re back up and ready to serve you. Thanks for your patience!

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Happy Family

Fee Schedule

Happy Family

Account Fee Schedule

Free Services: Online Banking, Online Bill Payer, eStatements, iTalk, Mobile Banking, Mobile Deposit

Fee Schedule

Type Fee
Account Histories/Statements $2.00 per page
Account Research / Checkbook Reconciliation $50.00 per hour
ACH Origination – Outbound 4.00% processing fee, minimum $5.00 / maximum $35
ATM Adjustment $5.00
ATM Empty Envelope $30.00
Business Account Fee (Excludes Organization/Club Accounts) $5.00 per month
Checks Varies
Check Copy $2.00 per check
Closed Account within first 12 months $10.00
Coin Machine 5% Members / Free for youth members (0-17)
Corporate Check $1.00
Corporate Check Copy $5.00
Corporate Check Stop Payment $5.00
Courtesy Overdraft $30.00 per item
Credit Pay Transactions 4.00% processing fee, minimum $5.00 / maximum $35
Escheatment Processing $50.00
Expedited Shipping $25.00
Foreign ATM Balance Inquiry $1.00 per inquiry
Foreign ATM Withdrawal $1.00 per withdrawal after 4 during month
Inactive Account $10.00 monthly beginning 13th month inactive
International Transaction 3.00% per transaction
Interest Checking Minimum Balance $5.00
IRA Transfer – Outbound $25.00 per transfer
Garnishment / Tax Levy Processing $50.00
Non-Member Check Cashing $5.00
Non-Sufficient Funds $30.00
Opportunity Checking Account $10.00 per month
Overdraft Line of Credit Advance $5.00 per day of advance
Plastic Card – Expedited Shipping $25.00
Plastic Card Replacement – 1 free $5.00
Returned Check/Payment $30.00 Member / $10.00 Third Party
Returned Statement due to Bad Address $3.00 per month
Safe Deposit Box Varies
Share Overdraft $7.50 per item
Stop Payment Order $30.00
Subpoena / Legal Request Processing $5.00
Visa Card – Maximum Late Payment $25.00
Visa Card – Returned Payment $25.00
Wires – Incoming Domestic & International $15.00
Wires – Outbound Domestic $20.00
Wires – Outbound International $75.00
Sept. 2025

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