Credit Human Courtesy Pay is $25.00
Credit Human prints a fee schedule labeled R032026. Non-sufficient funds is $0.00 per item. Courtesy Pay is $25.00 per item. Free Checking and Sensible Spend have no monthly service fee. The wider table is US overdraft fees by bank.
Last updated: October 27, 2026
Last checked: Oct 2026
Monthly fee by account
Opened 27 October 2026. Amounts below are US dollars. The fee schedule labeled R032026 does not print a calendar effective date. It prints Free Checking with a $25.00 minimum to open and no monthly service fee. Sensible Spend has a $0.00 minimum to open and no monthly service fee. Dividend Checking is an interest bearing account with a $25.00 minimum to open and a $5.00 monthly service fee, with no monthly fee when you have direct deposit and online statements. Money market has a $1,000 minimum to open and a $7.00 monthly service fee, with no monthly fee when the minimum daily balance is $1,000.
Savings has a $5.00 minimum to open, no monthly service fee, and a $5.00 inactive account fee after 18 months. The reading guide is US bank fee guides. The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Account | Monthly service fee | What the schedule also prints |
|---|---|---|
| Free Checking | No monthly service fee | Minimum to open $25.00 |
| Sensible Spend | No monthly service fee | Minimum to open $0.00 |
| Dividend Checking | $5.00 | No monthly fee with direct deposit and online statements |
| Money market | $7.00 | No monthly fee with a $1,000 minimum daily balance |
Courtesy Pay, ATM, and wires
Courtesy Pay is $25.00 per item. The schedule says those fees are applied against the amount available for Courtesy Pay. Non-sufficient funds is $0.00 per item. Uncollected and unavailable funds are $25.00 per item. A non-Credit Human ATM transaction is $1.00 each, for withdrawals, transfers, and balance inquiries. Credit Human and Allpoint ATMs are free.
A domestic outgoing wire is $12.00 before 2 p.m. CT and $15.00 after 2 p.m. CT. The schedule does not print a domestic incoming wire dollar. International incoming and outgoing wires are $15.00 plus processing. The line does not print a second dollar for that processing. A stop payment is $22.00 per item, and the schedule says it is free via digital banking. The monthly list is US monthly checking fees by bank. ATM rows for other banks are on US ATM fees by bank. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Questions
- How much is Credit Human Courtesy Pay?
- The R032026 schedule prints $25.00 per item. Non-sufficient funds on the same schedule is $0.00 per item. Uncollected and unavailable funds are $25.00 per item.
- Does Credit Human Free Checking have a monthly fee?
- The schedule prints no monthly service fee for Free Checking and for Sensible Spend. Dividend Checking is $5.00 unless you have direct deposit and online statements.
- How much is a Credit Human ATM fee?
- A non-Credit Human ATM transaction is $1.00. Credit Human and Allpoint ATMs are free. The schedule does not print a separate foreign purchase percent.