Fee Schedule

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FEE SCHEDULE

Effective August 1, 2026 – Changes are shaded.

CHECKING AND MONEY MARKET SAVINGS ACCOUNTS

CLICK HERE for a full listing of checking account options

Rewards Checking PLUS (Account no longer offered; fees apply to existing grandfathered accounts.) – A $1,000 minimum daily balance or $1,000 minimum monthly direct deposit or electronic deposit is required to avoid a monthly minimum balance fee of $7. Minimum balance fee will be waived if a total of $1,000 in electronic deposits is made to your Rewards Checking PLUS during the month. Rewards Checking PLUS account holders can waive one NSF fee, overdraft fee, or minimum balance fee per calendar year. Fee Forgiveness must be requested by the account holder, it is not automatic.
Rewards Checking (Account no longer offered; fees apply to existing grandfathered accounts.) – A $50 minimum daily balance is required to avoid a $4 minimum balance fee.

Green Light Checking™ (second chance checking) – A $12 monthly service fee. No minimum balance requirement.

Advantages Money Market Savings™ (high-yield savings) – A $2,500 minimum daily balance is required to avoid a monthly minimum balance fee of $10.

ACCOUNT-RELATED FEES

Returned Deposited Item (check, ACH)	$15.00 per item
Non- Sufficient Funds (NSF) (check, debit item, ACH, or other electronic debit)	$28.00 per item
Overdraft (check, debit item, ACH, or other electronic debit)	$28.00 per presentment
Incorrect ACH Account Number (Item posted with exception due to incorrect account information. Fee charged for each occurrence after 30 days from date of 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
IRA/HSA Direct Transfer	$15.00 per transfer
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

*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
Skip-A-Pay (Offered on eligible loans. Skip-A-Pay requests must be submitted to the Credit Union seven days prior to payment date. To set up a Skip-A-Pay, click here.)	$35.00 per Skip-A-Pay
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 (Account closed within 45 days due to incomplete member documentation or no member transactions within 6 months.)	$5.00 Per member owner 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 available1Additional 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.):

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

Disclosures:

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.

Deposits

Loans