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America's Credit Union Fee Table of Contents

Savings Accounts

Fee Amount
TEXT
SHARE SAVINGS
TEXT
TEXT
Minimum to Open
TEXT
$25
TEXT
Withdrawals, three per month
TEXT
FREE
TEXT
Additional
TEXT
$2
TEXT
Automatic Withdrawals & Transfers
TEXT
TEXT
Six per month
TEXT
FREE
TEXT
Over six
TEXT
$5/each
TEXT
Accounts w/balance below $25
TEXT
$5/mo
TEXT
Automatic Overdraft Transfer Fee, one per month
TEXT
FREE
TEXT
Additional
TEXT
$3
TEXT
KASASA SAVER
TEXT
TEXT
Minimum to Open
TEXT
None
TEXT
Automatic Withdrawals & Transfers
TEXT
TEXT
Six per month
TEXT
FREE
TEXT
Over six
TEXT
$5/each
TEXT
Automatic Overdraft Transfer Fee, one per month
TEXT
FREE
TEXT
Additional
TEXT
$3
TEXT
CHRISTMAS AND VACATION CLUB
TEXT
TEXT
Minimum to Open
TEXT
$5
TEXT
Withdrawals, one per year
TEXT
FREE
TEXT
Additional
TEXT
$5

SHARE SAVINGS

Fee Amount

Minimum to Open

Fee Amount

$25

Withdrawals, three per month

Fee Amount

FREE

Additional

Fee Amount

$2

Automatic Withdrawals & Transfers

Fee Amount

Six per month

Fee Amount

FREE

Over six

Fee Amount

$5/each

Accounts w/balance below $25

Fee Amount

$5/mo

Automatic Overdraft Transfer Fee, one per month

Fee Amount

FREE

Additional

Fee Amount

$3

KASASA SAVER

Fee Amount

Minimum to Open

Fee Amount

None

Automatic Withdrawals & Transfers

Fee Amount

Six per month

Fee Amount

FREE

Over six

Fee Amount

$5/each

Automatic Overdraft Transfer Fee, one per month

Fee Amount

FREE

Additional

Fee Amount

$3

CHRISTMAS AND VACATION CLUB

Fee Amount

Minimum to Open

Fee Amount

$5

Withdrawals, one per year

Fee Amount

FREE

Additional

Fee Amount

$5

Traditional and Student Checking 

Fee Amount
TEXT
Minimum to Open
TEXT
$25
TEXT
Accounts w/daily balance of $500, Gold Club (age 65 & over), or Student Checking
TEXT
FREE
TEXT
Otherwise, Service Fee
TEXT
$5/mo
TEXT
Cashier's Checks
TEXT
$3
TEXT
Credit Union Checks to a 3rd Party
TEXT
$3
TEXT
Copy of Cancelled Check (Gold Club - age 65 & over)
TEXT
10 free/yr

Minimum to Open

Fee Amount

$25

Accounts w/daily balance of $500, Gold Club (age 65 & over), or Student Checking

Fee Amount

FREE

Otherwise, Service Fee

Fee Amount

$5/mo

Cashier's Checks

Fee Amount

$3

Credit Union Checks to a 3rd Party

Fee Amount

$3

Copy of Cancelled Check (Gold Club - age 65 & over)

Fee Amount

10 free/yr

Rewards, Prestige, Value and Flexible Checking

Fee Amount
TEXT
REWAREDS CHECKING
TEXT
TEXT
Minimum to Open
TEXT
$25
TEXT
Monthly Service Fee
TEXT
$6/mo
TEXT
Reduced Monthly Service Fee (Gold Club - age 65 & over)
TEXT
$4/mo
TEXT
Money Orders, two per month
TEXT
FREE
TEXT
Additional
TEXT
$2
TEXT
Credit Union Checks to a 3rd Party
TEXT
$3
TEXT
Verification of Deposit
TEXT
$7
TEXT
Outgoing Domestic Wire Transfers ($500 minimum)
TEXT
FREE
TEXT
Under $500 (per attempt)
TEXT
$20
TEXT
PRESTIGE CHECKING
TEXT
TEXT
Minimum to Open
TEXT
$2,500
TEXT
accounts w/average daily balance of $2,500
TEXT
FREE
TEXT
Otherwise, Service Fee
TEXT
$15/mo
TEXT
Cashier's Checks
TEXT
$3
TEXT
Credit Union Checks to a 3rd Party
TEXT
$3
TEXT
ATM Transactions
TEXT
5 free/mo
TEXT
Overdraft Protection
TEXT
FREE
TEXT
VALUE CHECKING
TEXT
TEXT
Minimum to Open
TEXT
$25
TEXT
Monthly Service Fee
TEXT
FREE
TEXT
FLEXIBLE CHECKING
TEXT
TEXT
Minimum to Open
TEXT
$25
TEXT
Monthly Service Fee, w/direct deposit
TEXT
$10
TEXT
Monthly Service Fee, w/o direct deposit
TEXT
$15

REWAREDS CHECKING

Fee Amount

Minimum to Open

Fee Amount

$25

Monthly Service Fee

Fee Amount

$6/mo

Reduced Monthly Service Fee (Gold Club - age 65 & over)

Fee Amount

$4/mo

Money Orders, two per month

Fee Amount

FREE

Additional

Fee Amount

$2

Credit Union Checks to a 3rd Party

Fee Amount

$3

Verification of Deposit

Fee Amount

$7

Outgoing Domestic Wire Transfers ($500 minimum)

Fee Amount

FREE

Under $500 (per attempt)

Fee Amount

$20

PRESTIGE CHECKING

Fee Amount

Minimum to Open

Fee Amount

$2,500

accounts w/average daily balance of $2,500

Fee Amount

FREE

Otherwise, Service Fee

Fee Amount

$15/mo

Cashier's Checks

Fee Amount

$3

Credit Union Checks to a 3rd Party

Fee Amount

$3

ATM Transactions

Fee Amount

5 free/mo

Overdraft Protection

Fee Amount

FREE

VALUE CHECKING

Fee Amount

Minimum to Open

Fee Amount

$25

Monthly Service Fee

Fee Amount

FREE

FLEXIBLE CHECKING

Fee Amount

Minimum to Open

Fee Amount

$25

Monthly Service Fee, w/direct deposit

Fee Amount

$10

Monthly Service Fee, w/o direct deposit

Fee Amount

$15

Money Market Accounts (Including Business Accounts)

Fee Amount
TEXT
Minimum to Open
TEXT
$2,500
TEXT
Accounts w/average daily balance of $500
TEXT
FREE
TEXT
Otherwise, Service Fee
TEXT
10/mo
TEXT
3 Checks per month
TEXT
FREE
TEXT
3 Withdrawals or Transfers per mo
TEXT
FREE
TEXT
More than 3 Withdrawals or Transfers per mo
TEXT
$10/each

Minimum to Open

Fee Amount

$2,500

Accounts w/average daily balance of $500

Fee Amount

FREE

Otherwise, Service Fee

Fee Amount

10/mo

3 Checks per month

Fee Amount

FREE

3 Withdrawals or Transfers per mo

Fee Amount

FREE

More than 3 Withdrawals or Transfers per mo

Fee Amount

$10/each

Wires

Fee Amount
TEXT
Incoming
TEXT
$5
TEXT
Outgoing (each attempt)
TEXT
$20
TEXT
International (each attempt)
TEXT
$50
TEXT
International Trace
TEXT
$25

Incoming

Fee Amount

$5

Outgoing (each attempt)

Fee Amount

$20

International (each attempt)

Fee Amount

$50

International Trace

Fee Amount

$25

Small Business and Business Non-Profit Checking

Fee Amount
TEXT
Minimum to Open
TEXT
$250
TEXT
Accounts w/average daily balance of $2,500
TEXT
FREE
TEXT
Otherwise, Service Fee
TEXT
$25/mo
TEXT
Automatic Overdraft Transfer Fee
TEXT
$3

Minimum to Open

Fee Amount

$250

Accounts w/average daily balance of $2,500

Fee Amount

FREE

Otherwise, Service Fee

Fee Amount

$25/mo

Automatic Overdraft Transfer Fee

Fee Amount

$3

Business Non-Profit Checking

Fee Amount
TEXT
Minimum to Open
TEXT
$250
TEXT
Monthly Service Fee
TEXT
$10
TEXT
Automatic Overdraft Transfer Fee
TEXT
$3

Minimum to Open

Fee Amount

$250

Monthly Service Fee

Fee Amount

$10

Automatic Overdraft Transfer Fee

Fee Amount

$3

VISA® CHECK CARD (Debit Card)

fee amount
TEXT
Chargeback
TEXT
$25
TEXT
Copy of Sales Slip
TEXT
$18
TEXT
Copy of Sales Slip
TEXT
$3/each
TEXT
Point of Sale Transactions (PIN)
TEXT
FREE
TEXT
Purchases (signature)
TEXT
FREE
TEXT
Reissue PIN
TEXT
FREE
TEXT
Replacement Check (Debit) Card
TEXT
$10/each
TEXT
Research Expenses (1 hour minimum)
TEXT
$25/each
TEXT
Used at ATM for Cash or Inquiry
TEXT
TEXT
ACU ATM Network
TEXT
FREE
TEXT
ATM not part of ACU ATM Network
TEXT
$1

Chargeback

fee amount

$25

Copy of Sales Slip

fee amount

$18

Copy of Sales Slip

fee amount

$3/each

Point of Sale Transactions (PIN)

fee amount

FREE

Purchases (signature)

fee amount

FREE

Reissue PIN

fee amount

FREE

Replacement Check (Debit) Card

fee amount

$10/each

Research Expenses (1 hour minimum)

fee amount

$25/each

Used at ATM for Cash or Inquiry

fee amount

ACU ATM Network

fee amount

FREE

ATM not part of ACU ATM Network

fee amount

$1

*Includes returned ACH items, returned NSF checks, paid NSF checks, held funds returned NSF checks, and held funds paid NSF checks.

**America's Credit Union has no control over fees that may be charged by other ATM proprietors, operators or networks, including fees charged for balance inquiries even if you do not complete a transaction.

 

Other Service Fees

Product or Service Fee Amount
TEXT
Account Printout (per page)
TEXT
$3
TEXT
ACH Debit Origination Return Item
TEXT
$35 per presentment
TEXT
ACH Debit Origination to Deposit Account
TEXT
$5
TEXT
ACH Debit Origination to Loan 'Check by Phone'
TEXT
$10
TEXT
Bad Address/Returned Statement
TEXT
$5/mo
TEXT
Cashier's Check
TEXT
$5
TEXT
Check Cashing Fee (if no other checking account, loan or compensating balance)
TEXT
1% of check being cashed, $3 min
TEXT
Closed Account Fee (any savings acct closed within 6 months of opening)
TEXT
$25
TEXT
Coin Processing (members under 18 exempt)
TEXT
5% of total
TEXT
Non-Member coin processing
TEXT
8% of total
TEXT
Collection Items (domestic) Under $25
TEXT
$25
TEXT
Collection Items (domestic) $25 - $99.99
TEXT
$25
TEXT
Collection Items (domestic) $100 or more
TEXT
$25
TEXT
Copy of Cancelled Check
TEXT
$3
TEXT
Copy of Statement
TEXT
$5
TEXT
Credit Union Check to a 3rd party
TEXT
$5
TEXT
Electronic Cash Management
TEXT
$15/each
TEXT
Employee Assisted Telephone Inquiry
TEXT
$2
TEXT
Insufficient Funds (NSF)- Flexible Checking
TEXT
$37 per presentment
TEXT
Insufficient Funds (NSF)- Business Accounts
TEXT
$40 per presentment
TEXT
Insufficient Funds (NSF)- All Others (includes personal checks you write, ACH debits, paid NSFs and debit card transactions)
TEXT
$35 per presentment
TEXT
Lien/Levy/Attachment/Garnishment (plus attorney fees)
TEXT
$75
TEXT
Money Order
TEXT
$3
TEXT
Online Services (includes Home Banking, Bill Pay, E-statements, Online Check Ordering)
TEXT
FREE
TEXT
Overnight Mail
TEXT
$30-$60
TEXT
Paper Statements
TEXT
$3
TEXT
Gold Club - age 65 & over and ages 18 & under
TEXT
FREE
TEXT
Photocopies & Faxes
TEXT
$3 first page, $1 each additional page
TEXT
Reconciling/Research of Checking Account (1 hour minimum)
TEXT
$25/hour
TEXT
Returned Check (deposited item)
TEXT
$15
TEXT
Safe Deposit Boxes
TEXT
TEXT
3 x 5
TEXT
$25/yr
TEXT
3 x 10
TEXT
$35/yr
TEXT
5 x 10
TEXT
$60/yr
TEXT
10 x 10
TEXT
$100/yr
TEXT
Safe Deposit Box Lost Key
TEXT
Market Rate
TEXT
Safe Deposit Box Drilling
TEXT
Market Rate
TEXT
Safe Deposit Box Late Fee
TEXT
$10
TEXT
Skip-a-Pay (per loan)
TEXT
$35
TEXT
Stop Payments (including from Touch & GO and Home Banking)
TEXT
$30
TEXT
Temporary Checks (minimum4 checks)
TEXT
$1/per 4
TEXT
Verification of Deposit
TEXT
$15
TEXT
VISA® Gift Card
TEXT
$5
Product or Service

Account Printout (per page)

Fee Amount

$3

Product or Service

ACH Debit Origination Return Item

Fee Amount

$35 per presentment

Product or Service

ACH Debit Origination to Deposit Account

Fee Amount

$5

Product or Service

ACH Debit Origination to Loan 'Check by Phone'

Fee Amount

$10

Product or Service

Bad Address/Returned Statement

Fee Amount

$5/mo

Product or Service

Cashier's Check

Fee Amount

$5

Product or Service

Check Cashing Fee (if no other checking account, loan or compensating balance)

Fee Amount

1% of check being cashed, $3 min

Product or Service

Closed Account Fee (any savings acct closed within 6 months of opening)

Fee Amount

$25

Product or Service

Coin Processing (members under 18 exempt)

Fee Amount

5% of total

Product or Service

Non-Member coin processing

Fee Amount

8% of total

Product or Service

Collection Items (domestic) Under $25

Fee Amount

$25

Product or Service

Collection Items (domestic) $25 - $99.99

Fee Amount

$25

Product or Service

Collection Items (domestic) $100 or more

Fee Amount

$25

Product or Service

Copy of Cancelled Check

Fee Amount

$3

Product or Service

Copy of Statement

Fee Amount

$5

Product or Service

Credit Union Check to a 3rd party

Fee Amount

$5

Product or Service

Electronic Cash Management

Fee Amount

$15/each

Product or Service

Employee Assisted Telephone Inquiry

Fee Amount

$2

Product or Service

Insufficient Funds (NSF)- Flexible Checking

Fee Amount

$37 per presentment

Product or Service

Insufficient Funds (NSF)- Business Accounts

Fee Amount

$40 per presentment

Product or Service

Insufficient Funds (NSF)- All Others (includes personal checks you write, ACH debits, paid NSFs and debit card transactions)

Fee Amount

$35 per presentment

Product or Service

Lien/Levy/Attachment/Garnishment (plus attorney fees)

Fee Amount

$75

Product or Service

Money Order

Fee Amount

$3

Product or Service

Online Services (includes Home Banking, Bill Pay, E-statements, Online Check Ordering)

Fee Amount

FREE

Product or Service

Overnight Mail

Fee Amount

$30-$60

Product or Service

Paper Statements

Fee Amount

$3

Product or Service

Gold Club - age 65 & over and ages 18 & under

Fee Amount

FREE

Product or Service

Photocopies & Faxes

Fee Amount

$3 first page, $1 each additional page

Product or Service

Reconciling/Research of Checking Account (1 hour minimum)

Fee Amount

$25/hour

Product or Service

Returned Check (deposited item)

Fee Amount

$15

Product or Service

Safe Deposit Boxes

Fee Amount

Product or Service

3 x 5

Fee Amount

$25/yr

Product or Service

3 x 10

Fee Amount

$35/yr

Product or Service

5 x 10

Fee Amount

$60/yr

Product or Service

10 x 10

Fee Amount

$100/yr

Product or Service

Safe Deposit Box Lost Key

Fee Amount

Market Rate

Product or Service

Safe Deposit Box Drilling

Fee Amount

Market Rate

Product or Service

Safe Deposit Box Late Fee

Fee Amount

$10

Product or Service

Skip-a-Pay (per loan)

Fee Amount

$35

Product or Service

Stop Payments (including from Touch & GO and Home Banking)

Fee Amount

$30

Product or Service

Temporary Checks (minimum4 checks)

Fee Amount

$1/per 4

Product or Service

Verification of Deposit

Fee Amount

$15

Product or Service

VISA® Gift Card

Fee Amount

$5