Service Fees

Credit unions traditionally have fewer fees. Five Star does its best to help members avoid as many fees as possible. Fees generally reflect Five Star’s actual costs and losses that incur when members intentionally or accidentally use these services.

Five Star encourages all members to stop by a branch, or call a member service representative at 866.619.1711, to work on ways to avoid fees.

Checking Accounts  
Return Check/ACH-NSF (per item) $35.00
Overdraft Charges (per item) $35.00
Check & ACH Stop Payments (per item) $25.00
Service Charge for "Your Five Star Checking" if balance falls below $1,500 $10.00
Overdraft Protection - Regular Savings Transfer (per item) * $8.50
Overdraft Protection - Loan Advance Transfer (per item) * $8.50
Check Copy (per check) $3.00
*Must be set up/arranged in advance through your branch or through members services to avoid a regular higher overdraft fee.

Automated Account Services  
Digital Account Access or mobile app access (to view accounts, make transfers, etc., using your computer or device) No Charge
Digital Bill Payer (to pay bills using your computer or app)
Monthly Service Charge
No Charge
Automated Account Services - Automated Phone Access
(to make transfers, accessing accounts, etc., using the telephone)
First 10 calls per month
No Charge
Per call charge in excess of 10 per month $1.00

ATM Services (Debit/Check Card)  
Fee (per withdrawal or transfer for transactions at a non-Five Star ATM) $1.50
Fee (per balance inquiry for transactions at a non-Five Star ATM) $1.00
PIN Replacement via mail $5.00
Debit/Credit Card Replacement & re-activation fee $10.00

Savings, Money Market and IRA Accounts  
Regular Savings Account (closing within 90 days) $25.00
Excessive Withdrawals (after the fourth withdrawal per quarter) (per withdrawal) $5.50
Christmas Club (early withdrawal fee) (per early withdrawal) $25.00
Premier Growth Money Market Checking Account:
Minimum Withdrawal Fee (under $250.00) - per each such withdrawal
Over three checks per month (per check) on Money Market
Also, all checking account fees stated above apply on Money Market Checking.

Additional Services  
Official Credit Union Check Withdrawals - first check (per day) No Charge
Additional Credit Union Check Withdrawals per day  (per check) $3.00
Money Orders (per check) $3.00
Cashing check on inactive accounts or for non-account holder and balance less than $2,500 1% of check amount
Wire Transfers - Outgoing (per wire) $25.00
Account Histories (phone or printout) $3.00
Member Account Research & Statement Reconciliation
One hour minimum (per day)
Statement copy (per page) $1.00
Fax Transmitting (per page) $1.00
Photocopies (per page) $0.25
Safe Deposit Boxes - available in Bainbridge, Camilla, Cedar Springs, Brunswick, St. Simons Island and Cottonwood branches:
3 x 5
5 x 5
3 x 10
5 x 10
10 x 10
Re-Keying Safe Deposit Lock (must have key) $50.00
Lock Destruction/Drilling (loss of both keys)
Plus cost of lock replacement per vendor cost.

Other Charges  
Peer-to-Peer Payment Services (per transactions) $1.00
Returned Items (Cash or Credit) (per item) $30.00
Collection Items - Incoming/Outgoing (per item) $25.00
Gift Cards (each) $ 2.95
Address Correction Furnished By U.S. Postmaster or Bad Address/Returned Mail (each) $ 5.00
Periodic Statements in Paper Form $2.00
Mail Returned Undeliverable by USPS (per month) $5.00
Dormant Account Service Charge (monthly) (1) $5.00
Garnishment/Levy $35.00
Abandoned Property Processing $25.00


  1. Dormant Account Service Charge - Members with savings (share) accounts only or Checking and Savings accounts only with individual balances of less than $2,500.00 and with no activity on any of those accounts for 6 months will be considered as Dormant Accounts and a Dormant Account Service Charge (monthly) will apply to each dormant account. (See above schedule for charge amount.). Rising Star (youth) accounts for members age 18 or less are excluded from this fee. The minimum balance and dormant account service charge also does affect active account (an account that as at least 1 non-dividend transaction over 6 months). It also does not affect accounts that include an active Loan, a funded Money Market, IRA, a Certificate Account or an active FSCU credit card.
  2. IRS imposes a penalty of $50.00 on all dividend recipients who report under an incorrect name or social security number (Name and number must agree with the Social Security Administration records). Providing your social security card at the time the account is opened should eliminate the possibility of a penalty.



We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.