As a not-for-profit cooperative, we keep fees low and charge them only when a specific service is used. The schedule below lists the fees most members ask about; your account agreement and Truth-in-Savings disclosure contain the complete list.
| Service | Fee | Details |
|---|---|---|
| Overdraft fee | $35.00 per item | Charged when we pay an item that overdraws your account by more than $5. Maximum 3 per day. |
| Returned item (NSF) | $30.00 | Charged per item returned unpaid for insufficient funds. |
| Wire transfer (outgoing) | $25.00 | Domestic wires sent before 2pm Pacific are processed the same business day. |
| Stop payment | $20.00 | Per request. Valid for six months; may be renewed. |
There is no monthly maintenance fee on any Cinder Ridge personal checking or savings account. Fees are deducted from the account on which the service was performed.
Courtesy refunds
Your first overdraft fee in any 12-month period is refundable on request. Ask via the secure message center (topic: Fee refund) or call +1 (971) 387-0375. Refunds post within 3–5 business days.
Courtesy refunds are applied to the account that was charged. Additional overdraft fees within the same 12-month period are reviewed case by case by Member Services.
Avoid overdrafts for free
Link your savings account as overdraft protection — transfers are automatic and free. Enable it in the secure message center (topic: Other) or by phone.
When overdraft protection is on, we move the exact shortfall from your linked savings before any item is paid or returned, so you never pay an overdraft or NSF fee as long as funds are available.