Skip to primary navigation Skip to footer BayPort Credit Union Fee Schedule Effective May 17, 2021. Fees subject to change without notice. The following fees may be assessed against your account(s) and may reduce earnings. Account History / Research First monthly request no charge Additional requests $1.00 each Account research / reconciliation $20.00 per hour Duplicate statement, copy of electronic document or balance verification letter $1.00 each Duplicate IRS reporting forms $5.00 each Miscellaneous Certified checks $5.00 each Check cashing (non-BayPort Credit Union account) $3.00 Check-by-phone $5.00 each Coin redemption (non-members) 10% of total Money orders $2.00 each Garnishment / levy $20.00 each Teller check $2.00 each Stop payment $29.00 each Excessive Usage Savings – more than 12 teller-assisted withdrawals per calendar year $1.00 each Fast Start Savings – more than 1 withdrawal per calendar quarter $5.00 each Christmas Club – more than 1 teller-assisted withdrawal per calendar year $1.00 each Vacation Club – more than 4 teller-assisted withdrawals per calendar year $1.00 each Money Market – more than 3 checks cleared per month $5.00 per check Excessive transfer/check in accordance with Regulation D $5.00 per transaction Checking Accounts Investment Checking – min. average daily balance <$1,000.00 $10.00 Personalized Checking – min. average daily balance <$250.00 $6.00 Rewards/College & Career Rewards/Teen Rewards Checking without eStatement $2.00 Overdrafts Returned NSF Fee* (regardless of reason) – checks/ACH/debit card/ATM card/bill payment – deposited checks and other items returned unpaid – excessive transfer of funds more than 6 transfers per month in accordance with Regulation D (paid item) $29.00 each Overdraft Privilege (Paid NSF) – checks – ACH – recurring debit transaction – bill payment $29.00 each Overdraft Privilege (Paid NSF)** • ATM card • everyday debit card transaction – less than $10.00 – $10.00 to $25.00 – over $25.00 $5.00 each $20.00 each $29.00 each Checks Check printing varies, see catalog Counter/starter check $5.00 each Copy of canceled check – view Online Banking – first 2 monthly requests – additional requests – original (within 60 days) no charge no charge $5.00 each $5.00 each External Transfers IRA external transfer $20.00 each Wire transfer – incoming domestic – outgoing domestic no charge $20.00 each Activities Re-opening of account within 60 days of closing $20.00 Savings account-inactive balances less than $100 and no activity in a 12-month period $7.00 per month Single service low balance fee-aggregate (Savings, Vacation Club, and/or Christmas Club only) monthly average daily balance <$500.00 $3.00 per month High Yield and Cash Back Checking account-inactive balances less than $100 and no activity in a 6-month period $3.00 per month Pinnacle Money Market Low balance fee (min. average daily balance < $2,500.00) $10.00 per month Closing fee (within the first 90 days of account opening) $100.00 More than 3 checks cleared per month $10.00 per check Excessive transfer/check in accordance with Regulation D $10.00 per transaction Mastercard® Gift Card Mastercard® gift card $3.95 each (+ card value) Reloadable Prepaid Mastercard® – Maintenance and transfer fees may apply. See prepaid card disclosure. $4.95 each (+ card value) Deposits are permitted for BayPort Credit Union cardholders at those ATM machines that allow deposits. Refer to the Funds Availability section of your Important Account Information for Our Member brochure for further information. No surcharges will be assessed to BayPort Credit Union cardholders who use our ATM machines. When you use an automated teller machine not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). For additional information on your account, see your Important Account Information for Our Member brochure. *The categories of transactions for which an Overdraft Fee may be imposed are those by any of the following means: Check, In-person Withdrawal, ATM Withdrawal, or other electronic means. Please refer to your Important Account Information for Our Member brochure for further information regarding your account, overdrafts, and and non-sufficient funds (NSF). **Daily Cap of Overdraft Fees (paid NSF): We limit the number of overdraft fees applied to your account to four fees per day per account. (757) 928-8850 · (800) 928-8801 Find a Branch Footer One BayPort Way, Suite 350 Newport News, VA 23606 Routing Number: 251481368 Accounts Checking Auto Loans Home Loans Personal Loans Credit Cards About BayPort Credit Union Difference Who We Are News & Press BayPort Foundation Careers Help & Support FAQs Security Center Online Loan Pay Contact Us Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Our website contains links to websites owned and operated by third parties. If you use these links, you leave our website. BayPort Credit Union has no control over the contents of such linked websites or third parties and is not responsible for these websites, their content, or availability. DISCLOSURES FEE SCHEDULE RATES PRIVACY SITEMAP ACCESSIBILITY Copyright © 2021 BayPort Credit Union. All rights reserved.