Member Fee Schedule
No surprises, just straightforward banking! Check out our fee schedule so you always know what to expect.
Member Fee Schedule
| Account fees for deposit accounts | Bonus Checking Plus | Bonus Checking | Essential Checking | CheckAgain |
|---|---|---|---|---|
| Monthly Fee | $6.95 | $5.95 | FREE | $12 |
| Account Features |
|
| N/A | N/A |
| Bonus Checking Plus | $6.95 |
|---|---|
| Bonus Checking | $5.95 |
| Essential Checking | FREE |
| CheckAgain | $12 |
| Bonus Checking Plus |
|
|---|---|
| Bonus Checking |
|
| Essential Checking | N/A |
| CheckAgain | N/A |
Fees
| Service | Fee |
|---|---|
| Checking Book Order | Varies |
| Copy of Check/Statement/Printout | $2 per item |
| Dormant Membership | $5 per month** |
| Early Membership closeout (within 6 months) | $25 |
| Incorrect Membership Address | $5 per month |
| Incorrect TIN Penalty* | $50 |
| Legal Processing Fee (per presentment) | $125 |
| Non Create ATM fee (Co-Op Network ATM excluded) | $1 |
| Notary Fee | Free for membership |
| NSF/UCF/OD (per presentment, max 5 per day)*** | $28 |
| Official Check | 2 free per membership per month; $2 per check after |
| On Us Check Conversion | $5 per official check |
| Outbound Mail | Up to $25 |
| Outgoing Wire (domestic only) | $25† |
| Pay By Phone | Free for membership |
| Expedited Card Shipping | Price disclosed upon card order, up to $100.00 |
| Replacement Standard Card | $5 per card |
| Replacement Custom Card | $7.50 per card |
| Research and Balancing/per Hour | $30 |
| Returned Deposited Item Fee (per presentment) | $12 per item |
| Safe Deposit Box Drilling | $185 |
| Safe Deposit Box Key Deposit | $25 |
| Safe Deposit Box Annual Rent (when available) | Cost varies according to box size |
| Stop Payment (per ACH or draft) | $15 single or range |
Service
Fee
Resources to Keep Fees Low
Create is a part of the Co-Op network, which provides the largest credit union-owned ATM network in the U.S. When you need cash, visit a Create ATM or one of the 30,000 Co-Op ATMs to avoid costly ATM fees. Deposits are accepted at Create-owned ATMs only. Find a Co-Op ATM here.
Some account fees can be waived by meeting specific criteria, while other fees cannot. View the Create Checking Accounts page for full list of requirements.
Enjoy the safety and convenience of electronic documents within Online Banking.
- Account Statements
- Loan and Visa Statements
- Notices
- Mortgage Statements
- Tax Documents
- Other Documents
Learn more on our eStatements page.
*The IRS requires correct Taxpayer Identification Numbers (TIN) to be provided at account opening. Failure to provide correct TIN may make you subject to this fee.
**Memberships are considered dormant after twelve (12) months of no activity on all associated accounts.
***Fees are not assessed on transactions that are not accepted to result in an overdraft balance.
Fees subject to change.
