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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 Share Checking $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) $2.00/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