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Welcome to Opportunity

Fee Schedule

(570) 823–6836

Fee Schedule

The way we pay for things.

Fees are sometimes an unfortunate part of life. But we do our best to minimize ours. You’ll find we have a lot fewer and lower fees than most banks. It’s just another way we try to take care of you.

See how Cross Valley FCU measures up (err, down!) to other financial institutions.

Fees are effective July 05, 2026. PDF version is available for download.

Minimal fees, more you.

Share Draft Checking / ACH Fees

ServiceFee
Second Chance Share Draft$3.00 per month
Return Fee$35.00
Stop Payment$35.00
ACH Authorization Revoked$35.00
Automatic TransferFREE
Checks (with direct deposit)1 box free/yr
Check Copies$2.00
Courtesy Pay$35.00

Debit / ATM Fees

ServiceFee
Replacement Card$10.00
Replacement Card Rush$25.00
Monthly Fee without Direct Deposit$1.00
Non-Cross Valley FCU Machine for ATM/DEBIT/PIN Transactions (Over 6/month)$1.00 each
Overdraft for recurring Debit Card Transactions$35.00
International Service Assessment (ISA) FeeCurrent Mastercard rate

Lending Fees

ServiceFee
Titling Fee$110.00
Refinance on Current Loan Payment/Rate$30.00
Online Loan Payments$10.00
Skip-A-Pay (Limit 2 Per Year)$30.00

Business Fees

ServiceFee
Business ChecksFee varies
Business Checking Account Fee$3.00/month

Other Services

ServiceFee
Paper Statement$2.00/month
Statement Copies$1.00/page
Domestic Wire Transfer (Outgoing)$30.00/transfer
Foreign Wire Transfer (Outgoing)$50.00
Domestic Wire Transfer (In)$3.00/transfer
Certified Checks$10.00
Cashiers/Corp. Check (Third Party)$2.00
Money Orders$2.00/each
Checks Deposited Returned Unpaid$15.00
Dormant Account (No Activity 1 Year)$5.00/month
Account Research or Account Balancing$20.00/hour
Bad Address$5.00/statement
Levy/Garnishment/Escheat$100.00
Visa Gift Card$2.00/card (members)
$4.00/card (non-member)
Early Account Closure (within 180 days)$15.00
Early Club Withdrawal$15.00
Safe Deposit Boxes
(Wilkes-Barre + Mocanaqua)
10″x10″ Box$100/year
5″x10″ Box$75/year
4″x10″ Box$55/year
3″x10″ Box$35/year
5″x5″ Box$50/year
3″x5″ Box$25/year
Safe Deposit Change of LockFee varies
Safe Deposit Drilling of BoxFee varies
Safe Deposit Lost KeysFee varies
FULL JUMBO (1800) XXXL (1620) XXL (1496) XL (1280) LG (960) MD (840) SM (600) XS (480)