Member Services


Fee Schedule Effective November 9, 2015

ATM and Debit Card
ATM transactions at Cross County No Charge
ATM transactions at a non-Cross County ATM $1.00
ATM/Debit Card Point of Sale Transactions PIN entered $1.00
ATM Card/Debit Card Replacement $10.00
Business Checking Accounts
$2,500.00 minimum balance required per monthly statement cycle. 
Balance below minimum $15.00
Business Checking Overdraft $50.00
Business Checking Premium Overdraft (Draw Processing) per daily occurrence $40.00
Preferred Business Checking Account monthly maintenance fee $50.00
Community Business Checking account balance $500.00 minimum per monthly statement cycle. $15.00
Checking Accounts
Checks Paid on Uncollected Funds $30.00
Interest checking monthly service charge $1.50
Overdraft (Bounce Protection) (per item) $30.00
Preferred Checking balance below $7,500.00 minimum (per month) $1.50
Photocopy of a check (each) $10.00
Return item charge $30.00
Stop payment on Check $30.00
Collection charge (outgoing) $25.00
Collection of coupons - per envelope $25.00
Collection of foreign items (fee plus Correspondent Bank fees) $55.00
Consular/Immigration Reference letter $25.00
Holiday Club
Early close out of Holiday Club (before club ends) $10.00
Legal Processing
Legal Processing Fee (Restraining Notices, Levies, Subpoenas, etc./per item $100.00
Money Market Accounts
$500.00 minimum balance to maintain  
Money Market account balance below $500.00 minimum balance (per month) $5.00
Withdrawals in Excess of Reg. D limits per monthly statement cycle (per item) $8.00
Other Fees
Account reconciliation (per hour) $25.00
Account transcripts (per hour) $25.00
Accounts inactive 2 years or longer (per month.) (Fee not applicable to savings accounts) $5.00
Amendment of Existing Account $10.00
American Exprerss Gift Cards $3.95
American Express Gift Checks $2.50
Cash Exchange - Consumer Accounts (per $1,000.00) $10.00
Copy of tellers check or money order (each) $15.00
Duplicate year end statement (per copy) $10.00
Information Subpoena $25.00
Living Trust Account set-up fee $100.00
Medallion Guarantee $10.00
Money Orders - Depositors $4.00
Money Orders - Non-Depositors $7.00
Notary of Public Services - Depositor No Charge
Notary of Public Services - Non-Depositor $2.00
On Us Check Cashed for Non-Customer $5.00
Photocopies of statements (per statement) $10.00
Photocopies of transaction slip $10.00
Record research (Minimum 1 Hour) per hour $30.00
Return check deposited/cashed against any account (each) $10.00
Return check on loan payments $30.00
Returned mail handling (per item) $5.00
Rolled Coin - in excess of 5 rolls (per roll) $0.20
Signature Guarantee $5.00
Statement of Balance Letter $25.00
Stop payment on ACH $30.00
Stop payment on tellers check or money order (each) $15.00
Telephone/Fax Transfer Request (each) $10.00
Tellers checks under $1,000.00 $10.00
Tellers checks $1,000.00 or more No charge
Travelers Checks - per $100.00 $1.00
Travelers Checks for two - per $100.00 $1.50
Safe Deposit Boxes
Safe Deposit Box rental fees are based on the size of the box (Please consult your branch for fees.)  
Safe Deposit Box - One lost key $25.00
Safe Deposit Box - Two lost keys $150.00
Safe Deposit Box - Late payment fee $10.00

Savings Accounts
Savings Account end of month balance below $100.00 $4.00
No Book Withdrawal $10.00
Replacement of a lost passbook $10.00
Savings accounts closed within six months of opening $10.00
Withdrawals in Excess of Reg. D limits per monthly statement cycle (per item) $8.00
Community Business Savings account balance below $100.00 minimum per monthly statement cycle. $5.00

Wire Transfer Fees
Domestic incoming wire transfer $15.00
Domestic outgoing wire transfer $40.00
Foreign incoming wire transfer $15.00
Foreign outgoing wire transfer $45.00






FDICEqual Housing Lender
Cross County Savings Bank
79-21 Metropolitan Avenue | Middle Village, NY 11379 | (718) 326-6300