2025 Fee Schedule

The Fee Schedule provides a detailed list of the fees and minimum balances associated with each of the products and services AMOCO offers.

All Fees - Effective 03/10/25

Checking Account Maintenance Fees

Advantage Checking

$8.00 per month*

Perks Checking

$8.00 per month**

Reset Checking

$10.00 per month

*Fee will be waived with a qualifying monthly Direct Deposit of $1,000 or more, and an average daily balance of $1,000 or more. **Fee will be waived when the following requirements are met monthly: a qualifying Direct Deposit of $500 or more, 25 debit card transactions that are each $5 or greater, and eStatement enrollment. A qualifying Direct Deposit is a regular recurring ACH deposit to the checking account. Qualified ACH deposits are income (such as salary, pension, or investment income), government payments (such as social security), payroll or benefits from your employer, and self-employment income received through a secure payment system (such as Square, Stripe, or Clover) that occurs through the Automated Clearing House (ACH) Network.

Safe Deposit Box Rental & Maintenance

3x5

$40.00*

5x5

$60.00*

3x10

$70.00*

5x10

$100.00*

7x10

$120.00*

10x10

$150.00*

15x10

$175.00*

Drilling if both keys are lost

$250.00 per drilling

Replacement key

$25.00 per key

*This is an annual fee per box rental. Safe deposit box sizes vary by location.

General Account Fees

Account Reconciliation/Research

$20.00 per hour

Cash Advance

3% of cash advance amount |

Minimum $10 | Maximum $25

Cashier's Check

$3.00 per item

Cashier's Check (stop payment)

$30.00 per item

Certified Check

$5.00 per item

Coin Machine (loose coin only)

5% of total

Collection Item (incoming)

$25.00 per item

Debit Card Dispute Denial Fee

$30.00 per denial

Dormant Account (after 1 year of dormancy)

$10.00 per month

Duplicate Deposit Fee

$30.00 per deposit

FED Bank Wire Outgoing (United States)

$20.00 per wire

FED Bank Wire Outgoing (Outside United States)

$35.00 per wire

Garnish/Levy

$75.00 per item

Insufficient Funds (Share Draft, ACH, Debit Card)

$20.00 per item

Loan Payment by Phone

$10.00 per payment

Money Order

$1.00 per item

Non-AMOCO ATM Transactions - Some terminals have an additional fee for use of their machine.

$2.00 per transaction

Overdraft Courtesy

$20.00 per item

Printed Checks

Based on design and quantity

Returned Loan Payments (Check or ACH)

$30.00 per item

Returned Mail (account statements)

$5.00 per statement

Stop Payment

$30.00 per item

Non-AMOCO Members

Cashier's Check

$10.00 per item

Coin Machine (loose coin only)

10% of total

Fees are based on either the credit union’s direct cost for each service and/or the man hours necessary to offer each service or perform each service for our membership.