Effective Date: July 1, 2023
| Fee Description | Fee Charged |
|---|---|
| Credit Union Membership Share | $25.00 par value to open and must remain in account |
Transactional Fees
| Insufficient Fund Fee (NSF) | $29.00 per transaction presentment |
| Overdraft Fee | $29.00 per transaction presentment |
| Courtesy Pay Fee | $29.00 per transaction presentment |
| Overdraft Account Transfer | $3.00 per transfer |
| Stop Payment Fee | $29.00 per request |
Return Item Fee (chargebacks):
| Non-Member-Owned Accounts | $3.00 per item returned |
| Member-Owned Accounts at Other FI | $10.00 per item returned |
Other Services Fees
| Check Orders - Mainstreet | Prices vary depending upon style |
| Check Image Copy | $2.00 per image |
| Account Reconciliation | $15.00 per hour |
| Account Research | $15.00 per hour |
| Statement Copy | $2.00 per statement |
| Cashier Check | $5.00 per check (Payable to 3rd Party) |
| Money Order | $1.00 per check |
| Coin Machine Counting - Non-Member Fee | 8% service charge on total transaction |
| Inactive (Dormant) Account - After 1 Year if Balance is Less than $500 | $5.00 per month per account |
| Escheatment | $75.00 per account |
| Garnishment/Tax Levy | $75.00 per request |
| International Currency Order | $32.00 per order |
VISA Debit Card Fees
| Replacement Card Fee | $5.00 per card |
| Expedited Delivery | $35.00 per request |
| VISA International Fee | 1% of purchase |
| Foreign ATM Fees (Non-UKFCU ATM) | No fee |
Wire Transfer Request: (Incoming/Outgoing)
| Domestic Wire Transfer | $20.00 per transfer |
| International Wire Transfer (Commercial Only) | $40.00 per transfer |
Self - Storage Box - Only Available at Reynolds Rd Branch
| Box A - 21x10x2.5 in | $25.00 Annual Fee per box |
| Box B - 21x10x4.5 in | $50.00 Annual Fee per box |
| Box C - 21x10x6.25 in | $75.00 Annual Fee per box |
| Box D - 21x10x10 in | $100.00 Annual Fee per box |
Additional Business Account Fees
| Business Membership Share | $25.00 par value to open and must remain in account |
| Rolled Coin (Commercial Only) | $0.05 per Roll |
| Basic Business Checking | 150 free transactions, $0.25 per transaction over 150. No monthly Maintenance Fee |
| Business Plus Checking | 250 free transactions, $0.25 per transaction over 250. $10.00 monthly maintenance fee unless maintaining a $5,000 average monthly balance |
| Business Premium Checking | $0.15 per transaction, $20.00 monthly maintenance fee, Earning Credit is credited against fees for balances maintained |
VISA Credit Card Fees
| Late Fee | See Credit Agreement |
| Over-the-Credit Limit Fee | See Credit Agreement |
| Returned Payment Fee | See Credit Agreement |
| Foreign Transaction Fee - VISA Platinum | 1% of each transaction in U.S. dollars |
| Foreign Transaction Fee - VISA Signature | No fee |
| Credit Card Replacement Fee | $5.00 per card |
| Expedited Delivery | $35.00 per request |
| Statement Copy Fee | $2.00 per request |
Loan Fees
| Skip-A-Pay Fee (Loan Only) | $29.00 per skip |
| Late Fee | See Credit Agreement |
| Returned Payment Fee | See Credit Agreement |
Re-Loadable Visa Gift Cards
| In-Activity (dormant) Fee | $1.50 per month |
| Re-Load Fee (all card types) | $3.00 per reload |
| ATM Withdrawals | $2.00 per transaction |
| Foreign Exchange Fee | 1% of transaction amount |
