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photo of the train station in downtown Montgomery Alabama.  stained glass covers the rooftop of the structure housing the station.

Fee Schedule

(Effective August 1, 2015)

Savings Account
Minimum Balance $1.00 
Balance Required to Earn Dividend $100.00
 Excessive Share Withdrawal fee
(5th and 6th share withdrawal per month)
Excessive Share Withdrawal fee (per share withdrawal after 6th monthly withdrawal) $2.00
ACH Funds Transfer FREE
Military Allotment FREE
Payroll Deductions FREE
Shared Branching Transactions FREE
Direct Deposit FREE
E-statements FREE
Debit Card FREE
Money Market Account

Minimum Balance $2,500
Dividends Paid Monthly
Below Minimum Balance Fee (per month) $10.00 
Withdrawals (6 or more per month) $2.00 
Direct Deposit FREE
E-statements FREE
Debit Card FREE
Platinum Checking Account
Minimum Balance $5,000
Interest Paid Monthly
Below Minimum Balance Fee (per month) $10.00
Common Cents Checking 
Minimum Balance FREE
Round Up Savings Account Monthly Maintenance Fee FREE
Overdraft Protection Estatements Available
Direct Deposit, E-statements, Debit Card FREE
Fresh Start Checking
Minimum Balance FREE
Monthly Maintenance Fee, Direct Deposit, E-statements FREE
Debit Card FREE
Transaction Fees
Non-sufficient Funds Fee (per item) $29.00 
Courtesy Pay Fee (per item) $26.00 
Check/ACH Debit returned due to non-sufficient funds $15.00 
Military Allotment FREE
Payroll Deductions FREE 
Shared Branching Transactions FREE 
Direct Deposit FREE 
Debit Card FREE 
Teller Transactions
Money Orders (each) $2.00 
Visa Gift Cards (each)*** $3.99 
(With direct deposit) FREE 
Early Withdrawal from Club Accounts $15.00 
Official Checks (each) $2.00 
Bank Wire (outbound) per wire $13.50 
Bank Wire (outbound/inbound foreign) $31.00 
Bank Wire (inbound)  $13.50
Western Union (each) $22.50 
Direct Deposit FREE 
E-statements FREE 
Debit Card FREE
Safe Deposit Boxes available Contact a Member Service Consultant for complete details
E-Statement FREE
Guardian Connection Bill Pay FREE 
Dormant (3 months or more per month) $4.95
Check Cashing (less than $100 in CU savings account/no other active relationship at time of transaction)  $3.00
Account Research (per hour)  $20.00 
Replacement Debit Card Fee Dormant Savings Accounts with No Activity (deposit/withdrawals, etc) for 12-months  $5.00
Less than $100 on deposit (per month)  $10.00
Dormant Checking Account Less then $100 balance and no activity for 6 months $5.00 
Bad Address Fee (per month) $5.00 
Garnishment/Levy Administration $50.00
Overdraft Transfer Fee (per transaction) $1.00
Copy of Savings Statements $5.00
Share Draft Copies $2.50
Photocopy Service (per page) $1.00
Stop Payment Request (per item) $23.00 
Stop Payment request (per series) $50.00 
Telephone Banking (24 Hour Access):  FREE
Account transfer FREE 
Check withdrawal FREE 
Balance inquiry FREE 
 In Network ATM (on premise per transaction) FREE 
Out of Network ATM Fee (Uses outside of GCU and CU24 Network) (per transaction) $1.00 
 Non-Member On Us Check Cashing Fee $3.00 
Mobile Banking, Notary Service FREE
Rush Delivery Fee $30.00 
Rush Delivery Fee Return Deposit Item Fee (each occurrence of return of deposit item on the member account at another institution) $35.00 
*Some restrictions apply. Fee may apply when check is made payable to 3rd party.
***Fees could be waived based on account type.