Deposit Rates
Z-Money Market
/ APY
Z-Checking
/ APY
Z-Share
/ APY
Quoted Rates, dividends, annual percentage yields (APY)
and rates (APR) are subject to change daily at the discretion of the Board
of Directors.
Fees
Fees are subject to change daily at the discretion of the Board of Directors.Checking Account Services (Monthly Maintenance)
| Monthly Maintenance Fee - interest bearing | $1.00 |
| Monthly Maintenance Fee - non - interest bearing | $2.00 |
| Services Fee | $0 |
| Non-sufficient Funds/Special Handling | $12.00 |
| Stop Payment Order | $8.00 |
| Overdraft Transfer | $0.50 |
| BillPay Service | $0.20 |
Regular, IRA, and SEP Share Account Services
| Transaction Fee | $0 |
| Service Fee - Share, IRA, SEP and CESA | $0 |
| Service Fee - Money Market Shares | $0 |
ATM and Debit Card Services
| Transaction Fee | $0 |
| Reissue Card Replacement | $0 |
| Lost Card Replacement | $8.00 |
| PLUS Network Completed Transaction Fee | $0.75 |
| PLUS Network Denied Transaction Fee | $0.35 |
Credit Card Services
| VISA Annual Fee | $0 |
| Late Payment Fee | $5.00 |
| Exceed Credit Line Fee | $10.00 |
Safe Deposit Box Fees
| Annual Rental | Varies with box size |
| Lost Key | $18.00 minimum |
| Box Drilling | $145.00 minimum |
| Late Rental Payment Fee | $12.00 |
Miscellaneous Charges
| Returned Check/Item for Deposit or Payment | $5.00 |
| Check/Statement Copies - Routine Requests | $0 |
| Check/Statement Copies - Excessive Requests | $1.00 |
| Coupon and Bond Collection | $12.25 minimum |
| Travelers Cheques Purchase | $0 |
| Money Order Purchase | $1.00 per money order |
| Outgoing Domestic Wire Transfer | $6.00 |
| Outgoing International Wire Transfer | $10.00 |
| Notary Service | $0 |
| Verification of Deposit Request | $10.00 |
No service fee for accounts if less than 50
checks pay/clear per statement cycle. A $.20 per item fee will be charged
for each check over the first 50. No service fee for Share, IRA, MMA, SEP and
CESA accounts if minimum balance is maintained. Refer to deposit rates information
for minimum balance requirements.
Overdraft transfers are limited to no more than 6 per month from a Z-Share or Z-Money Market account. Overdrafts exceeding 6 per month will be charged a fee equal to the current Non-sufficient Funds Fee. Repeated excess transfers may cause the loss of overdraft privileges.
No fee for first 20 bill payments per month. Additional payments are $.20 each. This fee is debited from the checking account.
Overdraft transfers are limited to no more than 6 per month from a Z-Share or Z-Money Market account. Overdrafts exceeding 6 per month will be charged a fee equal to the current Non-sufficient Funds Fee. Repeated excess transfers may cause the loss of overdraft privileges.
No fee for first 20 bill payments per month. Additional payments are $.20 each. This fee is debited from the checking account.