Fees Effective 07.01.2025

Checking Services

Check Photocopies
Within Digital 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 digital banking bill payments *Multiple fees may be charged if an item is re-presented by the merchant.	$28.00 per item (max. 5 items per day)
Overdraft Transfers
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
Core Account
Monthly Service Fee	No Charge
Mailed Statement Fee Fee is waived with enrollment in eStatements	$5.00 per statement
Stop Payment Fee	$28.00 per check/ACH/Bill Pay

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
Non CUA-Owned ATMs/CO-OP ATMs Fees may be charged by the ATM owner.	No Charge
Foreign Transaction Fee Platinum Give Back Card Only	3% of each transaction in U.S. Dollars
Miscellaneous Electronic/Card Services
Replacement Debit Card	$5.00 each
Expedited Mail Fee	Up to $30.00
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)	$4.99
Debit card	$4.99
Visa credit card	Up to $5.00
VISA® Credit Card Services
Cash Advance Fee (including overdraft transfer)	$5.00 each item
Foreign Transaction Fee Platinum Give Back Card Only	3% of each transaction in U.S. Dollars
Return Check Fee	Up to $26.00
Replacement Card	$10.00 each
Balance Transfer Fee	1% of balance transfer amount or $10.00 per transfer, whichever is higher
Statement or Sales Draft Copies	$2.00 each
Late Fee	Up to $25.00
VISA credit card payments made by phone	Up to $5.00 each

Miscellaneous Services

Account Balance & Research (1 hour minimum)	$25.00 per hour
Certified or Corporate Check	$3.00 each
Foreign item collection	$10.00 per item
Early Share Closure  within 90 days of opening	$1.00
Inactive Membership Account  No activity in 12 months, balance is less than $100.00, and no other services on this membership (members ages 25 and up)	$5.00 per quarter
Invalid Address	$5.00 per quarter
Statement Copies	$3.00 per stmt.
Temporary Check Fee	$1.00 per request (up to 8 checks)
Returned Deposit Items	Up to $28.00 per item
Returned Loan Payments	$28.00 per item
Notary Service (members only)	No Charge
Signature Guarantees (members only)	No Charge
Check Cashing Fee
If share balance is below $100.00 & no checking or loan account	$5.00 each
With any CUA checking/loan in good standing	No Charge
Collections
Garnishments	Up to $35.00 each
Collection Items	$20.00 each
Wire Transfers
Domestic Wire	$20.00

All fees are subject to change with proper notification.