Membership is FREE at UECU.JOIN
FEE SCHEDULE
Effective January 1, 2025Changes are shaded.
BUSINESS SAVINGS & CHECKING ACCOUNTS
CLICK HERE
for more information about business accounts.
Business Money Market Savings (high-yield savings): $2,500 minimum daily balance is required.
A $10.00 minimum balance fee will be assessed if your account balance falls below $2,500 on one or more days in a statement cycle.
Basic Business Checking
No minimum balance requirement.
No charge for up to 100 transactions per month. Transactions include all checks deposited, inclearing (on-us) checks, all in-branch transactions, and debits and credits posted to the account (ACH, electronic bill payments, member-to-member transfers, etc). The fee for each additional transaction over 100 is $0.50. PIN and signature-based debit card transactions are always free, including ATM deposits and withdrawals; there is no monthly limit.

Power Business Checking (interest checking): $3,000 minimum daily balance is required.
A $25.00 minimum balance fee will be assessed if your account balance falls below $3,000 on one or more days in a statement cycle.
No charge for up to 300 transactions per month. Transactions include all checks deposited, inclearing (on-us) checks, all in-branch transactions, and debits and credits posted to the account (ACH, electronic bill payments, member-to-member transfers, etc). The fee for each additional transaction over 300 is $0.50. PIN and signature-based debit card transactions are always free, including ATM deposits and withdrawals; there is no monthly limit.
ACCOUNT-RELATED FEES
Returned Deposited Item (check, ACH) $15.00
per item
Non- Sufficient Funds (NSF) (inclearing check, ACH, or other electronic debits)$28.00
per item
Incorrect ACH Account Number
(Item posted with exception due to incorrect account information. Fee charged for each
occurrence after 30 days from initial notification.)
$15.00
Replacement Copy of Statement$5.00
per copy
Stop Payment
(check, ACH, withdrawal check, loan check, Treasurer’s Check)*
$20.00
per item
Copy of Member Check (mailed to member)
Please Note: Members enrolled in Mobile or Online Banking have unlimited access to check copies.
$2.00
per check
Temporary Checks (set of 4)$2.00
per set
Check Printing Charges$ Depends on Quantity/Style
Treasurer’s Check$5.00
per check
Copy of Withdrawal Check or Treasurer’s Check$10.00
per check
Dormant Account**$15.00
quarterly
Foreign Check Deposit$15.00
per check
Unclaimed Funds
(Statement undeliverable during consecutive 12-month period — member is responsible for updating address with Credit Union OR a closed account check not cashed within six months.)
$20.00
Escheat$100.00
Written Verification of Deposit/Account Balance$5.00
per request
Incoming Wire Transfer Service
(UECU may deduct additional processing fees charged by intermediary financial institutions. To avoid additional fees, contact the Credit Union at 800.288.6423 or click here for wire instructions.)
$5.00
per transfer
Outgoing Wire Transfer Service$35.00
per transfer
*A stop may only be placed on a Treasurer’s Check if lost or stolen. **A dormant fee will be charged to your account quarterly if there has been no member generated activity in the last 12 months and aggregate account balances are less than $1,000, unless an account owner is under the age of 35, has an active related account, such as an open loan, mortgage, Certificate of Deposit (CD), Health Savings Account (HSA), Individual Retirement Account (IRA), or UEIS account, the account has been opened less than 18 months, you have applied for a UECU loan in the last 6 months, or you are an owner of another active account.
LOAN-RELATED FEES†
Loan-Related Fees will be assessed at time of service and may be financed.
Payoff Request (faxed or mailed)$30.00
per request
Returned Loan or Visa Convenience Check$15.00
per check
Loan or Visa Payment Returned Unpaid (check, ACH)$15.00
per item
Telephone (TEL) Loan Payment
(First two payments are free. Fee will be assessed for each payment over two unless,
you have written authorization on file.)
$15.00
Satisfaction of Mortgage Fee when refinancing HE Term Loan or HELOC with another lender$35.00
per loan
Loan Modification                                                                          Fees may apply, contact the Credit Union for details.
CARD FEES
Replacement Card Fee (per card)$5.00
Expedited Card Delivery (per card)$32.00
Foreign Transaction Fee
Notice: A charge may be imposed on debit card transactions by a.) the automated teller machine (ATM) operator, if the member initiates a transaction from an ATM that is not operated by
the institution issuing the card and b.) by any national, regional or local network used to complete the transaction.
1.00%
per transaction in U.S. dollars
MISCELLANEOUS FEES
Account Forfeiture Fee
(Member account closure request within 6 months of account opening and no transactions )
$5.00
plus dividends paid and accrued
Unlocated Member (bad address)$10.00
Levy, Attachment, Garnishment, Writ, or Other Legal Process$75.00
Research Fee (1 hour minimum)$25.00
per hour
EXPEDITED MAIL SERVICE (where available^):
Monday through Friday 2nd-Day Delivery$25.00
Monday through Friday Standard Overnight$40.00
Monday through Friday Priority Overnight$50.00
Saturday Delivery Priority Overnight$50.00

†For all loans serviced directly by UECU; for loans serviced by Member Business Financial Services or Midwest Loan Services, please refer to your disclosures. Visa products are no longer available.
^Additional fees will apply for delivery outside the contiguous United States. All fees will be deducted from the member’s account at the time of service, unless alternative payment method is requested by the member, alternate payment method subject to credit union approval. Additional fees could be charged if you utilize services not listed in this document.