Checking Fees
Checking | Savings & insured investments | Cashier services | Loans | Other services |
Account maintenance - Consumer Checking
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
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 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 transfer fee*:
- From a savings or a money market share - From a Credit Line in excess of three (3) per calendar month |
$5.00 per transfer |
Negative balance transfer fee:
- Credit union initiated transfer to resolve a negative share |
$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: | no charge |
* Any overdraft transfer amount that is $5.00 or less will not incur an overdraft fee. |
Special handling
Check copy: | no charge |
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 |
$25.00 per item |
Courtesy Pay/Overdraft (OD) Service:
- 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 - $25.00 ............... $20.00 $25.01 or more ............... $25.00 |
NSF ACH Bill Payment:
- Additional CheckFree® charge for ACH bill payment returned for lack of sufficient funds. |
$25.00 per item |
NSF Mortgage Payment:
- Additional Cenlar charge |
$25.00 per item |
Returned item fee:
- Returned deposited item - Member-negotiated, unpaid item through shared branch transaction |
$ 5.00 per item $20.00 per item |
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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 |