Membership Fees

Credit Union Checks	$1.00
Money Orders	$1.00
Stop Payment on lost or stolen CU checks	$10.00
(requires an affidavit signed by member)

Membership Application	No Charge
Opening Fee	None
Monthly Service Charge	None
Close within 3 months of opening	$10.00
Dormant Accounts Monthly Fee (no activity within 12 months)	$5.00
Negative Accounts after 7 calendar days	$2.00 per day

Checking Fees

Monthly Service Charge	None
Overdraft Transfer Notification	$1.50
"Paid" Non-Sufficient Funds (NSF) checks*
Per check up to $300 negative balance	$30.00
Returned Non-Sufficient Funds (NSF) checks	$30.00
Returned Deposited Items:
Written from Member's account at another institution	$30.00
Received from non-member	$3.50
Received from another member	no charge
Stop Payment Order
Single check or series of checks	$5.00
Checks presented against stop order	$10.00
Check/Debit Card POS stop order	$5.00
Checks Presented against closed account	$10.00
Photocopy or Off-Site Inquiry per copy	$2.00
Foreign check currency conversions	$1.00

Electronic Funds Transfer Fees
Including automated funds transfers and vendor payments set up through the Federal Reserve's Automated Clearing House (ACH)

Member Requested ACH Stop/Return	$5.00
(requires an affidavit signed by member)      (fee applies each time vendor withdrawal is attempted)
ACH Origination (by Credit Union)
Setup (member signature required for initiation and modifications)	$5.00
ACH Non-Sufficient Funds
Overdraft transfer notification	$1.50
NSF ACH not covered by transfer	$30.00

Travelers Checks

Online BillPay Services
A billing cycle is determined by the date of the month that the BillPay account was established for each Member Account (example: 12th of the month to the 12th of the next month).

ATM (Automated Teller Machine) Fees
Highmark subscribes to the Instant Cash ATM system

Application and initial order	No charge
Reorder	$5.00
Fee per ATM transaction:
Instant Cash at Highmark or Wells Fargo
"onsite" locations:
first six per month	No charge
over six per month	$1.50 each
Non-Instant Cash machine	$1.50 each
Monthly service charge	None
Overdraft transfer notification	$1.50
Non-Sufficient Funds (NSF) withdrawals:
Up to $300 negative balance*	$30 per transaction
Over $300 negative balance	revocation of card plus $30 per transaction

Check (Debit) Card Fees                                                                                                                        A Check/"Debit" Card can be used as both an ATM card and in place of a check at most merchants in Rapid City and around the U.S.

Application and initial order	No charge
Reorder lost card	$5.00
Fee per Debit transaction	None
Monthly service charge	None
Overdraft transfer notification	$1.50
Fee when used at an ATM:
Instant Cash at Highmark or Wells Fargo
"onsite" locations:
first eight per month	No charge
over eight per month	$1.50 each
Non-Instant Cash machine	$1.50 each
Non-Sufficient Funds (NSF) transactions:
Up to $300 negative balance	$30 per transaction
Over $300 negative balance	revocation of card plus $30 per transaction

Cashier's Checks and Money Orders

Other Service Fees

Address Correction/Return Mail/No Address	$5.00
Early Withdrawal (Summer Savings/Christmas)	$25.00
Account research	$15.00/hour ($5 minimum)
Checkbook/Acct reconciliation	$15.00/hour ($5 minimum)
Account Statement printout per month	$1.00
Notary Service:  Members Only	No charge
Payment-by-phone	$5.00
Photo copies	$0.10 per page
Incoming FAX	$1.00 per page
Outgoing FAX (no international faxes)
First page	$1.00
Each additional page	$0.50
Check Cashing per transaction	$3.00
(No Fee If:  under age 19 or have $200 on
deposit or $200 loan balance)
Regulation D limits to electronic transfers
In excess of six	$5.00
Incoming Collection Item	$10.00
Outgoing Collection Item	$10.00
Compliance with Garnishment/Levy/Legal Order	$15.00

Wire Transfer Fees