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Member Fee Schedule

Fees Effective 01.02.18

Checking Services
Check Photocopies
Within Online Banking No Charge
Within 90 Days $1.00 per check
Greater than 90 days $2.00 per check
Insufficient Funds Paid or Returned
Including share drafts/pre-authorized withdrawals, POS (Debit Card merchant transactions), ATM withdrawals, and online banking bill payments $26.00 per item
(max. 5 items per day)
Overdraft Protection
Share draft/debit card/billpay/pre-authorized withdrawal from membership shares $5.00 per transfer
Overdraft transfer from VISA® credit card $5.00 per transfer plus $5.00 cash advance fee
Inactive Checking Fee
No activity in 6 months, members ages 25 and up $5.00 per month
ReserveCheck
Monthly Service Fee No Charge
ConnectCheck
With eStatements AND 1 direct deposit/ACH AND at least 12 debit card transactions each month No Charge
Without meeting all of the above requirements $2.95 per month
SimpleCheck
With 1 direct deposit/ACH OR minimum combined deposits of $1,000+ OR minimum combined loan balances of $5,000+ No Charge
Without meeting all of the above requirements $5.95 per month
Stop Payment Fee $26.00 per check/ACH
Savings Account Services
Holiday Club Account
No withdrawals prior to Oct. 1. Closing fee for early withdrawals (Account not to be reopened until October 1)
$5.00
Individual Retirement Accounts (IRA)
IRA accounts closed within 90 days of open $25.00
IRA withdrawals within first 90 days of open $10.00
Money Market Accounts
Performance Plus
Average daily balance below $25,000.00
$5.00 per month
Performance Plus
Month-end balance less than $1,000 and no activity in over 6 months
$5.00 per month
Balance Boost 
Month-end balance less than $100.00 and no activity in over 6 months
$5.00 per month
Electronic /Card Services
ATM Services for debit card (card access to both checking & savings)
CUA-Owned ATMs/CO-OP ATMs
All checking account transactions
No Charge
Other Foreign ATMs
Withdrawals and/or balance inquiries in excess of four (4) per month
$1.00 per item
Foreign Transaction Fee 2% of each transaction in U.S. Dollars
Miscellaneous Electronic/Card Services
Replacement ATM or Debit Card $10.00 each
Expedited Mail Fee Up to $26.00
eStatements No Charge
Electronic Bill Payment Service
All checking accounts
No Charge
Online/Mobile Banking No Charge
Account to Account Transfers No Charge
Person to Person Payments No Charge
Payments by Phone
ACH (direct debit from account) $10.00
Debit card $10.00
Visa credit card $10.00
VISA® Credit Card Services
Cash Advance Fee (including overdraft transfer) $5.00 each item
Late Fee Up to $25.00
Return Check Fee Up to $26.00
Replacement Card $10.00 each
Foreign Transaction Fee 3% of each transaction in U.S. Dollars
Balance Transfer Fee $10.00 per transfer
Statement or Sales Draft Copies $2.00 each
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
Key replacement when closing box $10.00 per key
Drill lock & replace key $120.00
Miscellaneous Services
Account Balance & Research (1 hour minimum) $25.00 per hour
Certified Check $3.00 each
Inactive Membership Account (age <= 23 Youth accounts excluded)
No activity in 12 months, balance is less than $100.00,
and no other services on this membership (ages 25 and up)
$5.00 per quarter
Invalid Address $5.00 per quarter
Mid-month or Printed Statement Copies $1.00 per stmt.
Notary Service (members only) No Charge
Temporary Check Fee $1.00 per request (up to 8 checks)
Returned Deposit Items $10.00 per item
Returned Loan Payments $26.00 per item
Signature Guarantees (members only) No Charge
Check Cashing Fee
If share balance is below $100.00 & no other checking or loan account $5.00 each
With any CUA checking/loan in good standing No Charge
Close Account Within 90 days of opening $25.00
Collections
Foreign item collection $10.00 per item
Garnishments Up to $35.00 each
Collection Items $20.00 each
Corporate checks $3.00 each
Wire Transfers
Domestic Wire $20.00
All fees are subject to change with proper notification.