Service Charges and Maintenance Fees

General Fees  
Cashier’s Checks $1 each
Official Checks 1 free per day – $1 each thereafter
Money Order $1 each
Visa Gift Card $3.00 each
Service Centers 8 transactions per month free – $1 each thereafter
Coin Deposits greater than $150.00 5% fee on the total coin deposit
Non-Member Check Cashing Fee $5 for a check over $100 drawn on an APCO account
Abandoned Account Fee $3.00 per month
Collection Item Fee $25.00

Wire Charges  
Within United States $15
Outside United States $50

Share & Checking Accounts  
Share Account 3 withdrawals per month free – $1.50 each thereafter
Share Minimum Balance $3 per month on balance below $25
Debit Card No fee when using APCO Card at APCO or CO-OP ATMs
6 ATM (non APCO) transactions per month free – $0.75 each thereafter
Stop Payment $20
Counter Checks $2 per book (10 checks)
Check Copies $1 per copy
Statement Copy or History Printout $3 per copy
Signature Card Copies $1.00 per copy
Account Research $15 per hour
Insufficient Share Draft or ACH Item $1.50 per item if shares available for transfer
$20 if shares not available for transfer
ACH (Automated Clearing House) Return Fee $20 per item
ACH (Automated Clearing House) Overdraft Fee $20 per item
Debit Card Overdraft Fee $20 per item
Check Overdraft Fee $20 per item
NSF Return Check Deposit $20 on NSF checks returned twice
Deposit Item Return Fee $5 per item

Annual Fee $0
Statement Copy $10
Late Fee $25 or if you had a late payment in the last six billing cycles $35
Travel Card Fee $7.95
Travel Card Reload $2.00

Title Fee $16.50
UCC-1 Recording Fee – Alabama $20
Skip-A-Pay $25
Application Fees on Real Estate Loans $150
*Fees and charges subject to change


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