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Second Chance Checking Account Fee Schedule

Second Chance Checking Account Rates

1APY=Annual Percentage Yield. Minimum opening balance of $10.00. Rates may change without notice. Application is subject to membership eligibility and approval.

DIVIDEND RATE
APY1
Min Opening Balance
Monthly Service Fee
Effective Date
DIVIDEND RATE
-
APY1
-
Min Opening Balance
$10.00
Monthly Service Fee
-
Effective Date
June 12, 2023

1APY=Annual Percentage Yield. Minimum opening balance of $10.00. Rates may change without notice. Application is subject to membership eligibility and approval.

Second Chance Checking Account Service Fees

Fee Type
Fee Description
Fee Amount
Fee Type
Overdraft Transfer
Fee Description
Fee per Overdraft Transfer
Fee Amount
$3.00
Fee Type
NSF/Overdraft Fee
Fee Description
Fee per Overdraft Instance
Fee Amount
$10.00
Fee Type
Check Copies
Fee Description
Fee per Check Copy
Fee Amount
$2.00
Fee Type
Stop Payment
Fee Description
Fee per Stop Payment Instance
Fee Amount
$10.00
Fee Type
Printed Checks
Fee Description
Fee per Printed Check
Fee Amount
Price varies depending on style

Electronic Funds Transfer Fees

Fee Type
Fee Description
Fee Amount
Fee Type
ATM Replacement Card
Fee Description
Fee per Card Replacement
Fee Amount
$10.00
Fee Type
ATM Replacement PIN
Fee Description
Fee per PIN Replacement
Fee Amount
$5.00
Fee Type
Wire Transfer Fee (incoming)
Fee Description
Fee per Incoming Wire Transfer
Fee Amount
$6.00
Fee Type
Wire Transfer Fee (outgoing)
Fee Description
Fee per Outgoing Wire Transfer
Fee Amount
$15.00

Other Service Fees

Fee Type
Fee Description
Fee Amount
Fee Type
Account Reconciliation
Fee Description
Fee per Hour
Fee Amount
$25.00
Fee Type
Account Research
Fee Description
Fee per Hour
Fee Amount
$25.00
Fee Type
Statement Copy Fee
Fee Description
Fee per Page
Fee Amount
$2.00
Fee Type
Deposited Item Return Fee
Fee Description
Fee per Deposited Item
Fee Amount
$10.00
Fee Type
Dormant Account (24 months/under $150)
Fee Description
Fee per Month
Fee Amount
$10.00
Fee Type
Legal Process Fee (garnishments, tax levels)
Fee Description
Fee per Process
Fee Amount
$35.00
Fee Type
Account Closure
Fee Description
One time fee if account is closed within first 6 months after account opening.
Fee Amount
$10.00
Fee Type
Returned Mail
Fee Description
Fee per Returned Item
Fee Amount
$5.00
Fee Type
Balance Verification (faxed)
Fee Description
Fee per Instance
Fee Amount
$5.00
Fee Type
Collected Funds Verification
Fee Description
Fee per Instance
Fee Amount
$5.00
Fee Type
Account Transaction History
Fee Description
Fee per Page
Fee Amount
$1.00
Fee Type
Hold Statement
Fee Description
Fee per Hold
Fee Amount
$5.00
Fee Type
Foreign Currency Purchase
Fee Description
FedEx Fee per $5,000 US
Fee Amount
$12
Fee Type
Cashier's Check
Fee Description
Fee per Check
Fee Amount
$3.00
Fee Type
Money Order
Fee Description
Fee per Money Order
Fee Amount
$2.00

Truth in Savings Disclosure

2 If after 45 days, no Direct Deposit starts, or if Direct Deposit is stopped at any time, CCCU may close your account.

3 See the Membership and Account Agreement. New account incentives received by the member exceeding $10 are subject to IRS 1099-INT reporting.

Account Requirements
Account Requirements
Direct Deposit of entire paycheck is required2
Account Requirements
Accounts opened on approval
Account Requirements
Account holder cannot have any previous history of prior loss with CCCU
Account Requirements
ChexSystems and/or Equifax report indicating no prior fraud abuse
Account Requirements
No ATM deposits allowed
Account Requirements
No check cashing privileges
Account Requirements
No Shared Branching privileges
Account Requirements
No Medallion Signature Guarantee
Account Requirements
No Mobile Deposit Access
Account Requirements
No International of collection services available
Account Requirements
This is not a dividend bearing account
Account Requirements
All checks deposited will be credited to your savings account with a 5 business day hold
Account Requirements
Reg CC guidelines will apply to all government checks and cashiers checks 3
Account Requirements
external transfers in Online Banking
Account Requirements
No Zelle Access

2 If after 45 days, no Direct Deposit starts, or if Direct Deposit is stopped at any time, CCCU may close your account.

3 See the Membership and Account Agreement. New account incentives received by the member exceeding $10 are subject to IRS 1099-INT reporting.

This Rate and Fee Schedule sets forth current conditions, rates, fees, and charges applicable to your accounts held at Consolidated Community Credit Unio. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on the Service Pricing Schedule and acknowledges that it is a part of the Membership and Account Agreement. Consolidated Community Credit Union, CCCU and CCCU Cascade are all trade names of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union and shares held at each office are not separately insured.

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© Consolidated Community Credit Union 2025 | 2021 NE Sandy Blvd Portland, OR 97232 | Routing #: 323075136 

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CCCU is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please contact us so that we may promptly assist you and remedy any accessibility concerns.

Consolidated Community Credit Union is an assumed business name of Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU, and Consolidated Federal Credit Union are service marks or registered service marks of Consolidated Federal Credit Union. All other marks not owned by Consolidated Federal Credit Union that appear herein are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU-Cascade, and CCCU are trade names of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union and shares held at each office are not separately insured.

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