Fees Effective 01.02.2018
Checking Services
|
Business Simple Checking |
|
Monthly service fee |
$5.00 |
|
First 100 withdrawals and deposited items per month |
FREE |
|
Over 100 withdrawals and deposited items per month |
$.25 per withdrawal or item |
|
Business Simple Interest Checking |
|
Minimum average daily balance to earn dividends |
$1,500.00 |
|
Monthly Service fee |
$7.50 |
|
First 100 withdrawals and deposited items per month |
FREE |
|
Over 100 withdrawals and deposited items per month |
$.25 per withdrawal or item |
|
Insufficient Funds Paid/Returned |
|
Per item (max 5 per day) |
$26.00 each |
|
Overdraft Transfers |
|
Overdraft transfer from business share |
$5.00 per transfer |
|
Overdraft transfer from VISA credit card |
$5.00 cash advance fee and $5.00 per transfer |
|
Stop Payment |
|
Per check/ACH |
$26.00 each |
|
Check Copies |
|
Per check copy |
$1.00 each |
Account to Account (A2A) Transfers
|
Incoming to CUA |
FREE |
|
Outbound from CUA |
FREE |
Wire Transfers
|
Domestic |
$20.00 |
Savings
|
Business Simple Shares |
|
Minimum balance to open |
$25.00 |
|
Business Liquidity Plus |
|
Minimum balance to open and earn dividends |
$2,500.00 |
|
Monthly service fee if balance falls below $2,500 during the month |
$10.00 per month |
|
Individual Retirement Accounts (IRAs) |
|
IRA closed account fee (closed within first 90 days) |
$30.00 fee |
|
IRA early withdrawal fee (withdrawal within first 90 days) |
$10.00 fee |
Safe Deposit Boxes
|
Charged annually in January, pro-rated by month if opened later, no refund on partial year use |
|
D” x W” x L” |
|
|
2 x 5 x 21 |
$15.00 |
|
3 x 5 x 21 |
$25.00 |
|
5 x 5 x 21 |
$30.00 |
|
3 x 10 x 21 |
$35.00 |
|
5 x 10 x 21 |
$50.00 |
|
10 x 10 x 21 |
$75.00 |
|
Replacement Key |
$10.00 per key |
|
Drill lock and replacement key |
$120.00 |
Business Online Banking
|
Bill Payment Fee |
$0.55 each |
|
Wire Set-Up Fee (one time only) |
$50.00 |
|
Outgoing Wire Fee |
$20.00 each |
|
ACH Set-Up Fee (one time only) |
$50.00 |
|
ACH monthly Fee |
$10.00 |
|
ACH per item Fee |
$0.10 |
eServices & Debit Cards
|
CUA-owned ATMs/CO-OP ATMs |
No surcharge |
|
Transactions in excess of four (4) per month at non-CUA ATMs |
$1.00 per item (fees may be charged by the ATM owner) |
|
First replacement ATM/debit card |
FREE |
|
Additional replacement ATM/debit cards |
$10.00 each |
|
Point of sale purchases transacted by ATM/debit card in foreign countries |
2% of the transaction amount in US Dollars |
|
ATM card on savings account |
$6.00 per year, $1.00 per transaction |
VISA Credit Cards
|
Cash Advance Fee (including overdraft transfer) |
$5.00 each item |
|
Late fee |
$35.00 |
|
Return check fee |
Up to $26.00 each |
|
Replacement credit cards |
$10.00 each |
|
Balance transfers |
$10.00 each |
|
Statement/draft copies |
$2.00 each |
|
Point of sale purchases transacted by credit card in foreign countries |
3% of the transaction amount in US Dollars |
|
Payments made by phone |
$5.00 |
Miscellaneous
|
Account balance and research |
$25.00 per hour |
|
Certified check |
$3.00 each |
|
Check cashing fee (if share account balance is less than $100.00 and no other account |
$5.00 each |
|
Close share account (within 90 days of opening) |
$25.00 |
|
Foreign item collection |
$10.00 per item |
|
Garnishments |
Up to $35.00 each |
|
Collection items |
$20.00 each |
|
Corporate third-party checks |
$3.00 each |
|
Inactive checking fee-no activity in 6 months |
$5.00 per month |
|
Inactive membership share account-no activity in 12 months, balance less than $100, and no other CUA services |
$5.00 per quarter |
|
Invalid address fee |
$5.00 per quarter |
|
Mid-month statements |
$1.00 per statement |
|
Notary service |
FREE (members only) |
|
Returned deposit items |
$10.00 per item |
|
Returned loan payments |
$26.00 per item |
|
Signature guarantees (members only) |
FREE |
|
Statement copies |
$1.00 per statement |
|
Expedited mailing fee |
Up to $26.00 |