Checking Fees
Account maintenance - Consumer Checking
| The following fees will not be assessed if the indicated minimum balance or other account conditions are met. |
| Convenience Checking:
- If direct deposit is discontinued |
$5.00 per month |
| Investor Checking:
- If daily balance falls below $1,000.00 during the calendar month |
$5.00 per month |
| Relationship Checking:
- If daily share or loan balance falls below $500.00 during the calendar month
- Minimum daily balance requirement to avoid fee is waived if member is between 16-25 years of age. |
$5.00 per month |
Account maintenance - Business Checking
| The following fees will not be assessed if the indicated minimum balance or other account conditions are met. |
| Business Checking:
- If daily balance falls below $1,000.00 during the calendar month
- Minimum daily balance fee is waived for noprofit organizations and associations |
$5.00 per month |
| Interest On Lawyer Trust Account (IOLTA):
- Requires business checking |
no charge |
| Real Estate Trust Checking:
- Requires business checking |
no charge |
Activity
| Business Checking:
- Per item fee for total checks deposited to any share account and/or paid
from Business Checking:
First 100 per calendar month
101 to 500 per calendar month
501 and greater per calendar month
|
no charge
$.10 per item over 100
$.08 per item over 500 |
| Activity fee charged to an open Savings or Money Market Account if Business Checking Account is not open at calendar month end. |
Checking account services
| Check order:
- Check printing fee depends on style of check ordered
- Order checks & accessories.
A larger range of check designs is available when you order online through UltraBranch |
varies per order |
| Overdraft protection fee:
- Transfer from a Share or Premium Savings, or a Money,
Super, or Jumbo Money Market Account.
- Transfer from a Credit Line in excess of three (3)
per calendar month. |
$5.00 per transfer |
| Special item processing fee:
- Fee may be charged if member fails to take corrective action following
Special Item Processing notifications |
$2.00 per item |
| Stop payment fee:
- Per request of one or one series of items |
$15.00 per request * |
* Fee not assessed for transactions through
UltraBranch®
(Account access by Internet, telephone, and Self-Service Terminal). |
Special handling
| Check copy:
- First five (5) copies per account statement period are FREE |
$1.00 per item * |
| NSF:
- Check or other debit returned unpaid for lack of sufficient funds, check or other debit presented and paid as a courtesy against insufficient funds, or debit card transaction authorized and paid against insufficient funds pursuant to the credit union's overdraft services agreement
NSF fee is waived if a check or other debit is paid as a courtesy, or pursuant to the credit union's overdraft services agreement, and such payment overdraws the account less than $20.00. |
$20.00 per item |
| NSF ACH Bill Payment:
- Additional CheckFree® charge for ACH bill payment returned for lack of sufficient funds. |
$20.00 per item |
| NSF Mortgage Payment:
- Additional Cenlar charge |
$25.00 per item |
| Returned item fee:
- Member-negotiated, unpaid item issued by member
- Member-negotiated, unpaid item issued by another party
- Member-negotiated, unpaid item through shared branch transaction |
$15.00 per item
$ 5.00 per item
$20.00 per item |
* Fee not assessed for transactions through
UltraBranch
(Account access by Internet, telephone, and Self-Service Terminal). |
UltraBranch Bill Pay
| UltraBranch Bill Pay:
- Up to fifteen (15) bills paid per calendar month
- Each additional bill payment per calendar month
- If no bills paid during the calendar month
|
no charge
$.40 each
$5.95 per month |
| ACH maintenance: |
$25.00 each month ACH is used |
| ACH returned item: |
$5.00 per item |
| ACH transaction:
- First 100 per calendar month
- Over 100 per calendar month |
no charge
$.05 per item over 100 |
| Bill Pay: Per calendar month |
$5.95 unlimited items |
| Domestic bank wire: |
$10.00 per wire |
|
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