Checking Fees

Checking Savings & insured investments Cashier services Loans Other services

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

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.

 $0.00 - $5.00 ......... no charge
$5.01 or more ................. $5.00
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

  $20.00 per item
Courtesy Pay:

- Check or other debit presented and paid against insufficient funds (fee based on amount of overdraft)

 $0.00 - $5.00 ......... no charge
$5.01 - $10.00 ................. $5.00
$10.01 - $15.00 ............... $10.00
$15.01 - $20.00 ............... $15.00
$20.01 or more ............... $20.00
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).
Any overdraft transfer amount that is $5.00 or more will incur a $5 overdraft fee.

UltraBranch Bill Pay

UltraBranch Bill Pay:

- Up to fifteen (15) bills paid per calendar month 

- Each additional bill payment per calendar month 
 no charge
$.40 each

UltraBranch Business Edition electronic payment services

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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