Account Fee Schedule

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CIVYL Financial - Account Fee Schedule

Effective Date: June 20, 2025

Service                                                              Fee                                              Notes

Monthly Maintenance Fee                           $0.00                          No monthly service charges

Account Opening                                           $0.00                          

ACH Direct Deposit                                       $0.00

Early Direct Deposit                                      $0.00

Mobile Check Deposit                                  $0.00                      Standard availability times apply

Debit Card Issuance (1st card)                   $0.00              Replacement fees may apply (see below)

Debit Card Replacement                              $5.00          Waived for lost/stolen cards with police report

In-Network ATM Withdrawals                     $0.00                            Based on partner network

Out-of-Network ATM Withdrawals             $2.50      May also be subject to third-party ATM operator fees

Overdraft Fee                                                 $0.00          CIVYL does not allow or charge for overdrafts

Returned Item / NSF Fee                             $0.00      CIVYL declines transactions without sufficient funds

Paper Statement Request             $2.00 per request                     Digital statements are free

Customer Service (Phone/Email Chat).    $0.00

Bill Pay Service                                              $0.00

P2P Transfers (Internal)                              $0.00

P2P Transfers (External)                             $0.00                   May be subject to limits based on risk

Note: All fees are subject to change with 30 days’ notice via email or app notification.