Share Account Fees
For Share Savings Account and Money Market accounts, under Regulation D you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or $30.00 for Each excessive transactions or be closed.
| Type | Fee |
| Regular Share Savings & Subsequent Regular Share Savings (Fee on = > 4 Withdrawals) |
$3.00/each |
| First Time Share Savings (Up to 18 yrs old) (Fee on = > 4 Withdrawals) |
$3.00/each |
| Christmas Club Share Savings (Fee on = < 3 Withdrawals) |
$10.00/each |
| Christmas Club Share Savings (Fee on > 3 withdrawals) |
$13.00/each |
| Preferred Money Market Account (Fee on = > 4 withdrawals) |
$3.00/each |
| Preferred Money Market Account (balance below $2,500) |
$5.00/monthly |
| Classic Money Market Account (Fee on = > 4 withdrawals) |
$3.00/each |
| Classic Money Market Account (balance below $1,000) |
$3.00/monthly |
| Preferred Share Checking (balance below $1,000) |
$5.00/monthly |
| Second Chance Account | $10.00/monthly |
| Business Share Checking (monthly fee based on account activity) |
$10.00 minimum |
Other Fees
| Type | Fee |
| Non-Sufficient Funds | $30.00/each |
| Paid Non-Sufficient Funds | $30.00/each |
| Overdraft Transfer from another deposit account (less than or equal to 6 each month) |
$5.00/each |
| Overdraft Transfer from another deposit account (greater than 6 each month) |
$30.00/each |
| Overdraft Privilege | $30.00/each |
| Deposit Return Item | $30.00/each |
| Money Order | $3.00/each |
| Stop Payment | $30.00/each |
| Block Stop Payment - Series of Checks | $35.00/series |
| Check Copy/Statement | $5.00/each |
| Check Cashing Fee (Members) | $5.00/each |
| Check Cashing Fee (Non-Members) | $10.00/each |
| Cashier's Check Payable to a Third Party | $5.00/each |
| Exchange Share Check for Cashier's Check | $10.00/each |
| Closing Account (less than or equal to 90 days of opening account date) | $5.00 |
| Inactive/Dormant Accounts | $5.00/monthly |
| Return Mail | $5.00/monthly |
| Deposit Verifications | $5.00/each |
| Tax/Levy Garnishments (Maximum allowed by Law) | Varies |
| Account Research ($50.00 per hour for research) | $50.00 minimum |
| Check Orders (Depends on Styles and Quantity) | Varies |
| ATM Surcharge (Foreign ATM/Debit Card at UCCU ATM) | $3.00/each |
| ATM/Debit Card Replacement | $10.00/each |
| ATM/Debit Card Reactivation | $30.00/each |
| Foreign ATM Transaction (Not at UCCU or Co-Op ATM) | $1.25/each |
| Non-Sufficient Funds Pre-Authorized ACH | $30.00/each |
| Wire Out - Domestic | $20.00/each |
| Wire Out - International | $50.00/each |
| Wire In - Domestic | Free |
| Wire Rejection/Tracer - International | $50.00/each |
| Western Union (Western Union's actual charge + Fee) | $10.00/each |
| CU Pay (Home Banking Bill Pay) Non-Sufficient Funds | $30.00/each |
| CU Anywhere (Non-Sufficient Funds) | $30.00/each |
| MAC 24 Bank by Phone (Non-Sufficient Funds) | $30.00/each |
| Mobile Banking (Non-Sufficient Funds) | $30.00/each |
| Certificate (Early withdrawal on Certificate with term of 1 year or less) | Penalty of 90 Days of Interest |
| Certificate (Early withdrawal on Certificate with term 13 months to 24 months) | Penalty of 180 Days of Interest |
| Certificate (Early withdrawal on Certificate with term 25 months or more) | Penalty of 365 Days of Interest |
| Safe Deposit Box (2 X 5) | $20.00 annually |
| Safe Deposit Box (3 X 5) | $25.00 annually |
| Safe Deposit Box (5 X 5) | $35.00 annually |
| Safe Deposit Box (3 X 10) | $40.00 annually |
| Safe Deposit Box (5 X 10) | $60.00 annually |
| Safe Deposit Box (10 X 10) | $95.00 annually |
| Safe Deposit Box (Drilling) | $150.00/each |
| Safe Deposit Box (Emergency Drilling) | Varies |
| Visa Gift Card | $5.00/each |
| Loan Payment By Debit/Credit ACH | $14.95/each |