Fee Schedule

As a non-profit financial cooperative, we believe all members have a responsibility to share reasonable costs. Fees are charged to members using specific services, rather than the total membership incurring the costs. The following is a list of current fees and related services.

Account/Activity Fee

Checking Accounts

Go Blue Checking No monthly fee
Interest Checking Monthly Maintenance
(no monthly maintenance fee with a minimum daily balance of $500)
$8.00
Courtesy Pay
(on each of the first three items per day of non-sufficient funds)
$30.00
Non-Sufficient Funds
(each time check or preauthorized withdrawal is presented)
$30.00
Overdraft Protection
(preauthorized transfers from savings, checking, Visa or Line of Credit)
$2.00
Stop payment (per stop requested)

Please note that a stop payment made using TellerPhone (telephone teller) or MemberNet online banking is valid for two weeks. Before the two-week expiration date, you will receive a form from the credit union that you can use to authorize an extension of the stop payment. You will need to sign the form and return it to UMCU.

$30.00
Temporary Checks (4) $2.00
   

Visa & ATM Fees

(CU24 ATM, Visa Check (Debit), Visa Gold (Home Equity), Visa Credit Cards)  
CU 24 ATM Card (Initial Card) $5.00
Replacement Card $5.00
Non-UMCU/ Non-CO-OP Network ATM Transaction
(Fee waived for 4 transactions per month for accounts in good standing. All transactions free for CU+ accounts in good standing. Additional surcharge fees charged by non-UMCU owners may apply.)
$2.00
Foreign Transaction
(transaction in foreign currency or with foreign merchant)
1%
Visa Credit Late Payment up to $35.00
Visa Gold Late Payment $28.00
Expedited Phone Loan Payment $10.00
Sales Draft Copy $10.00
   

Foreign Items

Foreign Currency Deposit $15.00
Foreign Currency Sales (plus applicable shipping fee) $8.00
Foreign Item Deposit (plus applicable collection fees) up to $20.00
   

Loan Fees

Expedited Phone Loan Payment $10.00
Late Loan Payment $25.00
Lien Verification (per month after 45 days) $75.00
Loan Payment Returned $30.00
Refinance for Secured Loans $75.00
   

Wire Transfers

Incoming Wire $10.00
Domestic Outgoing Wire $25.00
International Outgoing Wire $45.00
   

ACH Fees

ACH Non-Sufficient Funds $30.00
ACH Overdraft Transfer $2.00
ACH Stop Payment $30.00
   

Credit Card Fees

 
Annual Fee None
Balance Transfer No charge
Cash Advance No charge
Foreign Transaction 1% of each transaction amount in U.S. dollars
Non-UMCU/Non-CO-OP Network ATM Transaction $2.00
Overdraft Protection $2.00
Late Payment Up to $35.00
Over-the-Credit Limit None
Replacement Card $5.00 for each card
Sales Draft Copy $10.00
Statement Copy $5.00
Account Research $30.00 per hour
Expedited Phone Payment $10.00
   

Miscellaneous

Inactivity Fee
(waived if aggregate balance is over $100 and / or activity on any share or loan on the account within the last 6 months)
$5.00 per month
Account Closing
(if closed within first 90 days)
$10.00
Account Research $30.00
Bill Pay Expedited Payment $9.95
Cashier's Check $4.00
Coin Orders $1 per $100 over $1,000
Currency Orders $0.10 per $100 over $5,000
Deposit Item Returned $12.00 per item
Document / Item Copies (Account History, Statement, Checks) $5.00
Garnishment/ Levy $75.00
Holiday Savings Withdrawal
(excludes transfer on November 1)
$5.00
Money Market Monthly Maintenance
(no monthly maintenance fee with a minimum daily balance of $2,000)
$5.00
Paper Statement $1.00 monthly
Pre-Escheats $50.00
Signature Guarantee Service $5.00
Stop Payment (per stop requested) $30.00
Traveler's Checks 1.5% of sale
Visa Gift Card $5.95 ($5.95/$7.95 online)

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