As of October 1, 2023

Credit Union Membership

No Charge

Savings Account Fees

$5.00 Inactivity for 1 year

Checking Account Fees

$0.00 Basic Checking Monthly Fee
$5.00 Advantage Checking Monthly Fee
$20.00 Overdraft/NSF Occurrence1

Money Market Account Fees

$10.00 Excessive Transactions

Individual Retirement Account (IRA) Fees

$25.00 Account Closing
(Only applicable if closed within 1 year, no charge for death or disabled.)

Check Fees

$1.00 Money Order
$1.00 Cashier’s Check
VARIES Check Printing
$1.00 Reject Fee Per Check
(Rejection due to MICR line problems associated with non-GCEFCU purchased checks.)
$2.00 Temporary Checks
COST Non Deliverable Checks
$3.00 Check Copy
$20.00 Returned Deposit Check (Self to Self)
$5.00 Returned Deposit Check (Third Party)
$35.00 Canadian Check Collection
$20.00 Stop Pay Request
$5.00 Non-Member On-Us Check Cashing

Debit/Credit Card Fees

$5.00 Additional/Replacement Card
$25.00 VISA Debit/Credit Dispute Denial
$7.95 Personalized Card
$3.00 Visa Gift Card
$5.00 Reloadable Card
$5.00 Travel Card
$0.00 Annual Credit Card Fee
$5.00 or 1% Cash Advance Fee
(Cash Advances are charged a fee of $5.00 or 1% of the amount of each cash advance, whichever is greater. No charge if completed at GCEFCU branch or online.)
1% Foreign Transaction
(Fee is 1% of each transaction in U.S. dollars.)
$0.00 Balance Transfer
Up to $25.00 Returned Payment
Up to $25.00 Late Payment

Loan Fees

$25.00 Skip-A-Pay
$50.00 Loan Refinance2
$25.00 Document Fee
$5.00 Online/Web Payment
$10.00 Check by Phone
$5.00 Returned Loan Payment Check
$5.00 Returned ACH Loan Payment

Safe Deposit Box Fees

$15.00 3 x 5
$25.00 3 x 10
$40.00 5 x 10
$75.00 10 x 10
$25.00 Lost Key
$250.00 To Drill Box
$100.00 Lock Replacement

Misc. Fees

$5.00 Collection Fee
$25.00 Tax Levy Fee
$15.00 Wire Fee
$40.00 International Wire Fee
$2.00 Printout
$3.00 Statement Copy
$25.00/hour Research Fee
$1.50 Fax
$3.00 International Fax
$0.25 Copy (per page)
COST Overnight Mail
$5.00 Mail Return
$25.00 Online Transfer Return
$0.00 Notary (Members)
$5.00 Notary (Non-Members)
$0.00 Coin Machine
$3.00 Shared Branching Fee
COST Legal Processing Fee
(Fees billed by attorney: garnishments, levy, judgements, etc.)


The rates appearing in this Rate & Fee Schedule are accurate and effective for deposit accounts as of the date indicated above. The credit union does not charge members for notary service but does charge non members not more than the standard notary fee.

1 An occurrence is defined as anytime your account is taken negative to pay an item or an item is returned due to insufficient funds in your account. This fee applies to every overdraft created by check, in person withdrawal, ATM/ITM withdrawal, or other electronic means that we pay or return within a business day.

2 Refinancing of real estate loans may incur additional costs for documents and fees charged by outside parties.

To view printable fee schedule, click here.