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  • Phone
    (209) 444-5300 • (800) 675-5114
  • Email
    info@centralstatecu.org
  • CALL-24
    (209) 943-6803 • (800) 217-4939
  • Loans-by-Phone
    (800) 811-7424
  • Loan Central
  • Mailing Address (All Branch Offices)
    PO Box 1329, Stockton CA 95201



Fees and Disclosures
Effective Date: 4/1/13

This Rate Schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your Account Agreement with Central State Credit Union and is subject to change at anytime.

Please call (209) 444-5300 or (800) 675-5114 to obtain current information.
General Service Fees
New Member Fee $5.00
Savings Balance Less than $300 - Waived for members less than 21 years old, new members (less than 6 months with credit union) or members with an active checking account, loan, certificate, IRA or share plus $6.00 per quarter
Teller Assisted Phone Transactions and Inquiries* $3.00
Deposit/ Loan Payment/ Cashed item returned $20.00
Copy of Prior Period Statement or Account History $5.00
Photocopy Fee 0.25 per copy
Corporate Check Issued to 3rd party under $1,000 $10.00
Escheat Notice - per Year $2.00
Missing Address - per Year $5.00
Collection Item - Domestic $30.00
Collection Item - International $35.00
VISA Gift Card $3.00 per card
Levy, Garnishment or Subpoena $45.00
Wire Transfer - Domestic $30.00
Wire Transfer - International $45.00
Notary Fee - Member CSCU Documents Free
Notary fee - Non CSCU Documents per signature * $10.00
Stop Payment Corporate Check (Purchase of Indemnity Bond may be required) $20.00
Copy of Corporate Check $10.00
Copy of Deposited Item $10.00
Reconciliation/Research Fee $20.00 per hour
Reopen Closed Account - within 6 months $25.00
Early Account Closure - within 1st 60 days $10.00
Share Plus - More than 3 withdrawals per Month $1.00 per withdrawal
Share Plus - Average Daily Balance falls below minimum $5.00 per month
NSF Fee - Pre-authorized Savings debit $30.00 per item
Verification of Deposit $20.00 per request
Loan Payment by Phone (from another institution) $5.00
Loan Payment by Phone (from another institution) returned for Non-Sufficient Funds $30.00 per request

* VIP Accounts - Age 65+ with direct deposit and active checking or $5,000 on deposit receive: Free paper statements, Free Notary service, 1 Free VIP economy check order per year, ATM Surcharge fees refunded with official request form
Online Central Internet Banking
On-Line Banking Service Free
On-Line Bill Payment Service Free
Copy of Bill Payment Check $10.00 per copy
Stop Payment Bill Payment Check $30.00
Mobile Person to Person Payment $1.00

Checking
Check Copies - 2 Checks per Month Free
After 2 per Month $3.00 per check
Check Orders & Other Checking Supplies * Supplier's price plus tax/handling fee
Monthly Paper Statement ** $5.00 per month
NSF Fee, Check or Pre-authorized Debit $30.00 per item
Paid NSF Fee, Check or Pre-authorized Debit $30.00 per item
Stop Payment on Check or Automatic Debit $10.00
Reverse Stop Payment Request $10.00
Counter/Temp Checks (12 cks) $5.00
Check Replacement Check $25.00
Reopen Closed Checking $15.00
Automatic Transfer from Shares $3.00 per transaction
Automatic Transfer from VISA/LOC $3.00 per transaction
Premium Checking Account - Average Daily Balance falls below minimum $5.00 per month
Fresh Start Checking Account $15.00 per month
Business Checking Account $15.00 per month

* VIP Accounts - Age 65+ with direct deposit and active checking or $5,000 on deposit receive: Free paper statements, Free Notary service, 1 Free VIP economy check order per year, ATM Surcharge fees refunded with official request form
** Free with e-Statements, aggregate balance of $10,000 in shares, active loan or VIP account

ATM/Check Card Fees
ATM/Check Card Issue Fees Free
ATM/Check Card Replacement Fees $5.00
ATM/Check Card PIN Replacement $5.00
NSF Withdrawal $30.00
CSCU ATM Withdrawals Free
All Other ATM Withdrawals ** - First Three per Month Free
After Three per Month $1.50 Each
Point of Sale (POS) Transactions** Free
Deposits to Co-op/Money Pass Network Free
ATM Deposit Correction/Adjustment $5.00
ATM Empty Deposit Envelope $30.00

** Additional fees may be charged by ATM owner or POS network


NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency All content including look and feel copyright 2011 Central State Credit Union