Business Fee Schedule | Compare | SPIRE Credit Union

Checking

	Classic	Preferred	Premium	Basic Non-Profit
Minimum Daily Balance	$0	$1500	$5,000	$0
Monthly Minimum Balance Fee	$0	$15^*	$20^*	$0
Debits & Credits Per Item	First 200 Free²	First 200 Free²	First 200 Free²	First 400 Free²
Overdraft (Non-Sufficient Funds)	$33/each	$33/each	$33/each	$33/each
Monthly Service Fee¹	$10	$0	$0	$0
Stop Payment	$33/each	$33/each	$33/each	$33/each
Inactive Checking Account Fee³	$7.50/month	$7.50/month	$7.50/month	$7.50/month
Personalized Checks	See price list at any branch	N/A	N/A	N/A

¹eStatements and Visa Debit Card required to avoid $10 monthly service fee.
²$0.40 for each additional item per statement cycle.
³Fee assessed on the balances below $250 if inactive greater than 365 days.
^*If falls below minimum daily balance.

Automated Teller Machine (ATM)

Per Deposit	$0
Per Withdrawal Charge at SPIRE Machines	$0
Per Withdrawal Charge at Other Machines	$2.50
Per Withdrawal Charge at International Machines	1% of total transaction
Card Replacement Fee	$10/card

Visa Debit Card

Monthly/Annual Fee	$0
Card Replacement Fee (per card)	$10
International Currency Conversion	1% of total transaction

ACCESS (Telephone) and Internet Banking

Free

Canadian Check Deposits

Flat Fee

$20

Cash and Coin Orders

Free to Members

Share Savings Account

Minimum Balance Fee (if below minimum daily balance)

Inactive Share Savings Account Fee

$7.50/month⁵

⁵Fee assessed after 730 days if balance is less than $250 and no additional SPIRE products. The monthly fee will be waived if member maintains a minimum balance of $250, or has any additional shares or loans under the same account number, including SPIRE VISA Credit cards.

Money Market Savings Account

Monthly Minimum Balance Fee
(if below $2,500 minimum daily balance)

$10/month

Budget Savings

Withdrawal Fee

1 free per calendar quarter,
$7.50/each thereafter

Regulation D

In compliance with Federal Banking Regulation D, telephone and automated savings withdrawals are limited. During any calendar month, you may not make more than six (6) withdrawals or transfers to another SPIRE account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction. Automated methods include Overdraft Protection transfers to checking accounts and automatic withdrawals made through the Automated Clearing House (ACH) or preauthorized draft withdrawals (e.g., bill payment, insurance premiums).

Cashiers Check

$3/each

Notary Service

Free to Members

Wire Transfer

Outgoing	$25/each
Incoming	$10/each
Outgoing International	$60/each

Statement Copy

Per Statement Period	$5/each
Per Check	$5/each

Check Deposits without Tape Total

$5/each

Account Research and Reconciliation

$30/hour

Coin Counter

Members	Free
Guest Members	5% service fee

Items Presented for Collection

$35/each

Returned Deposit Item

$4/each

ACH Rejection Fee

$10/item

Non-Sufficient Funds

Overdraft or Non-sufficient Funds (Max 4/day)

$33/each^*

^*A fee will be charged each time the item is submitted for payment.

Levy/Garnishment

$100/each

Returned Mail

$10/mo

Account Reactivation

Account Reactivation Fee⁶

$10

⁶The Account Reactivation Fee will be charged to reactivate an account within 6 months of the account closing date.

Some fees waived for account relationship. SPIRE reserves the right to amend this Service Fee Schedule and fees at anytime.

Business Fees