Personal Fees

^*A fee will be charged each time the item is submitted for payment. This may result in multiple fees charged for the same item. A combined maximum of four Courtesy Pay or Non-Sufficient Fund Fees may be charged per day.
¹Courtesy Pay (C.P.) for checks and ACH transactions is a service that allows SPIRE to pay an item(s) written on our member’s checking account even if it causes the account to become overdrawn. C.P. for checks and ACH is automatically added to consumer checking accounts where the primary member is over the age of 18 once the account has been open at least 60 days and has been maintained in good standing. The member is able to opt out of this service by notifying the credit union. Reg E C.P. for debit cards transactions is separate and a member must Opt-In in order to obtain approval before allowing payment of one time debit card purchases that may create an overdraft. For debit card transactions, you must have previously opted-in or the transaction will be declined. Both C.P. services may provide certain accountholders in good standing with the ability to overdraw their personal checking account up to a maximum of $500. This privilege is only for consumer checking accounts and will be limited to a maximum amount of $500 overdraft (negative) balance. Overdraft / C.P. fees, as well as the amount of the overdraft, will be subtracted from any C.P. limit. 
Payment by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. Transaction types that are eligible for checks & ACH C.P. include and are limited to: ACH transactions, checks and on-us checks presented at the teller counter. Transaction types that are eligible for Reg E C.P. include and are limited to: one time debit card transactions. 
You must bring your account balance to a positive balance at least once every 30 days or less, for a minimum period of 24-hours or Courtesy Pay may be suspended. You have up to 45 days to bring your account positive for a minimum period of 24-hours or your account will be closed. The credit union, at its discretion, can cancel these protection /services and cease paying overdrafts at any time without prior notice of reason or cause. Failure to bring the account to a positive balance will result in further collection action and negative information will be reported to the appropriate credit reporting agency.
SPIRE will not charge a fee if the available account balance is overdrawn by less than $10, if you are opted-in for Reg E C.P.
²Teen Accounts are for members 13-17 years of age.
³ If falls below $2,000 minimum daily balance.
⁴Free SPIRE Custom Checks
⁵Fee assessed on balances below $250 if inactive greater than 365 days. Fee waived for members under the age of 21.

⁵SPIRE members with a Money Market, Checking Plus or 55 Plus Checking Account receive two free ATM withdrawals (per account number) per monthly statement cycle at non-proprietary machines.

The SPIRE ATM Rebate Program for ATM fees is designed to rewards members for doing business with us. The amount of your rebate is dependent on your Aggregate Average Daily Balance⁶, which is calculated from the last statement cycle.

You cannot receive a rebate for more than your actual posted ATM fees. Rebates occur at the end of statement cycle.
⁶Aggregate Average Daily Balance includes all savings and loan balances that are listed under the same account number that the ATM card is attached to. We calculate using the daily balance method. This method applies a daily period rate to the balance in your account each day.

Visa Gift cards must be activated before use by calling the number listed on the back of the card or activating online. Gift cards valid only in the United States.

⁹Fee assessed on balances below $250 if inactive greater than 730 days and there are no additional share or loan products under the same account number.  The fee is waived for members under the age of 21.

In compliance with Federal Banking Regulation D, telephone and automated savings withdrawals are limited. During any calendar month, you may not make more than six (6) withdrawals or transfers to another SPIRE account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction. Automated methods include Overdraft Protection transfers to checking accounts and automatic withdrawals made through the Automated Clearing House (ACH) or preauthorized draft withdrawals (e.g., bill payment, insurance premiums). If you exceed this transaction limit, fees will be charged as noted above for violations that take place within a twelve (12) month rolling calendar period.

¹⁰The Account Reactivation Fee will be charged to reactivate an account within 6 months of the account closing date.

SPIRE offers online bill payment through CO-OP. The above fees are charged by CO-OP for use of the bill payment service. Any financial fees associated with your SPIRE checking account are separate and will continue to apply.

SPIRE reserves the right to amend this Service Fee Schedule at anytime.