Service Charges and Maintenance Fees

General Fees

Cashier's Check	$1 each
Official Checks	1 free per day - $1 each thereafter
Money Order	$1 each
Visa Gift Card	$3 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 per month
Collection Item Fee	$25

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

Visa

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

Loans

Title Fee	$16.50
UCC-1 Recording Fee - Alabama	$20
Skip-A-Pay	$25
Application Fees on Real Estate	$10