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Kellogg Community Credit Union
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fee schedule

The following fees below may be assessed in connection with your accounts. 

Fees effective 6/18/2024  

savings accounts


Inactive Account Fee $5.00 per month, charged after 1 year if balance under $500.00
IRA Closing Fee $25.00 per account if account is closed within one (1) year of opening

checking accounts

Second Checking Account Fee $5.00 per month, if balance under $1,000.00
eStatements Free
Paper Statements $3.00 per statement
Overdraft Protection Transfer Fee $5.00 per item
Check Printing Fee Prices may vary depending upon style
Money Market Checking $6.00 per month, if balance under $5,000.00
Basic Checking $10.00 per month (Grandfathered)
Check Copies $5.00 per item

atm, debit card, visa® credit cards

Replacement Card Fee $10.00 per card
Card Destruction Fee $10.00 per card
Non KCCU ATM Transaction Fee $1.00 per transaction at ATM’s not owned by the credit union
ATM Inquires (Foreign) Fee $1.00 per inquiry

other services (applicable to all accounts)

Notary Fee (non-members) $10.00 per request
Jt. Owner/Beneficiary Change $25.00 per request in excess of 1 every 12 months
Items Sent for Collection $35.00 per item (plus cost)
Foreign Item Cash Letter $35.00 per item
Foreign Item Collection Letter $35.00 per item
Check Cashing Fee - Member $5.00 per item after 18 years old and account balance less than $100.00
Check Cashing Fee - Non- Member $10.00 per item
Transfer and Inquiry Fee Via Phone $3.00 per request
Stop Payment Fee $30.00 per item
NSF Fee $30.00 per item
Paid NSF Fee $30.00 per item
Deposited Item Return Fee $30.00 per item
Wire Transfer (incoming) Fee $15.00 per transfer
Wire Transfer (outgoing) Fee Up to $50.00 per transfer
Wire Transfer (outgoing) International Fee $50.00 per transfer
Night Depository Processing Fee $2.00 per item
Money Order Fee $3.00 per money order
Cashier Check Fee $5.00 per check
Bad Address Fee $5.00 monthly
Transaction History Fee $1.00 per page
Statement Copy Fee $5.00 per copy
Account Research/Reconciliation Fee $30.00 per hour
Overnight Mail Fee $40.00 per item
Bill Payment Service Fee $0.40 per bill per month (first 13 bills free)
Close Account within 1 Year $20.00 (includes all savings, checking, and/or Debit Cards)
Levy/Garnishment $75.00


Coin Processing - Available at B Dr, Pennfield, Romence, and Metro branches 

5% of balance
(free coin processing on Tuesdays, up to $200)

Subordination $250.00
Visa Foreign Transaction 1% of transaction amount
Account Re-opening $20.00 within 12 months of closure
Medallion/Guarantee Stamp $50.00 per request
Loan Payment Return Fee $25.00
ACH Overdraft $30.00 per item
Debit Card Overdraft $30.00 per item
Paid ACH Overdraft $30.00 per item
Account to Account Transfer $2.00 per transfer
CVR Electronic Filing Fee $24.00
Loan Maintenance Fee $25.00 per item
Loan payment by card (LoanXP) $15.00 (payment of $25.00-$500.00)
$30.00 (payment of $500.01-$1,000.00)
Instant Deposit

$5.00 per Instant Deposit

Skip-a-Payment $40.00 per skip
Certificate secured loan online processing fee $40.00 
Modify my Payment (Self-serve in ItsMe247) $20.00 per item
Missing Title Fee $25.00 per item

Safe Deposit Boxes


(2nd St. & Romence locations only)

3"x 5" $40.00/Annually
3"x 10" $50.00/Annually
5"x 10" $70.00/Annually
10"x 10" $110.00/Annually
Re-drill Lock $300.00

The fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please contact Kellogg Community Credit Union.