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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
Monthly Service Fee No Charge
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
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)
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
Liquidity Plus
Month-end balance less than $1,000 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)
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
ATM Card Services (card access to savings only)
ATM/POS withdrawal or inquiries $1.00 per item
ATM Card transactions $1.00 per transaction
Annual Fee
1st year pro-rated and renewed each January
$6.00 per year
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
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.