The following are fees associated with various products and services offered by Cheney FCU (effective 2/10/08):

Checking Account Fees:
NSF fee		$18 per item (paid or returned)
Overdraft transfer fee		$5 per transfer from Share Savings or from OD Line of Credit
Stop Payment Fee		$18 per item
Share Draft Maintenance fee		$5 if balance falls below $100 anytime during the month (waived for Basic Checking)
Check Copy Fee		$2 per copy after the first 5 each month
Early Closure fee		$10 if closed within the first 6 months

IRA Account Fees:
One time IRA Plan set up fee		$15

Savings Account Fees:
Early Closure fee		$10 if closed within the first 6 months

Other Service Fees:
Returned Mail fee	$1 per statement
Account Research fee	$10 per hour
Statement Copies	$1 per statement
Money Orders	$ .85 per MO
Travelers Checks	1% of amount purchased (waived for members 60+ years old)
American Express Gift Checks	$2.50
Deposited Item Returned fee	$5 per item (Business accounts only)
Wire transfer (domestic)	$10 (both incoming and outgoing)
Wire transfer (foreign)	$40 (outgoing)
Notary Fees	Free for members / Not available to non-members

Debit / ATM Card Fees:
Replacement of lost card	$5
ATM transaction fee	$0 (we do not charge a fee, however the owner of the machine may assess a service charge)

Share Certificate Fees:
90 days interest penalty on amount of principal withdrawn (after the 7 day grace period)
IRA Certificate Fees:
180 days interest penalty on amount of principal withdrawn (after the 7 day grace period)