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Fee Table of Contents

SAVINGS

Product or Service Fee Amount

Share Savings

Minimum to Open

$25

Withdrawals, three per month

FREE

Additional

$2

Automatic Withdrawals & Transfers

Six per month

FREE

Over six

$5/each

Accounts w/balance below $25

$5/mo

Automatic Overdraft Transfer Fee, one per month

FREE

Additional

$3

Kasasa Saver®

Minimum to Open

None

Automatic Withdrawals & Transfers

Six per month

FREE

Over six

$5/each

Automatic Overdraft Transfer Fee, one per month

FREE

Additional

$3

Christmas and Vacation Club

Minimum to Open

$5

Withdrawals, one per year

FREE

Additional

 

$5

Product or Service

Share Savings

Product or Service

Minimum to Open

Fee Amount

$25

Product or Service

Withdrawals, three per month

Fee Amount

FREE

Product or Service

Additional

Fee Amount

$2

Product or Service

Automatic Withdrawals & Transfers

Fee Amount
Product or Service

Six per month

Fee Amount

FREE

Product or Service

Over six

Fee Amount

$5/each

Product or Service

Accounts w/balance below $25

Fee Amount

$5/mo

Product or Service

Automatic Overdraft Transfer Fee, one per month

Fee Amount

FREE

Product or Service

Additional

Fee Amount

$3

Product or Service

Kasasa Saver®

Product or Service

Minimum to Open

Fee Amount

None

Product or Service

Automatic Withdrawals & Transfers

Fee Amount
Product or Service

Six per month

Fee Amount

FREE

Product or Service

Over six

Fee Amount

$5/each

Product or Service

Automatic Overdraft Transfer Fee, one per month

Fee Amount

FREE

Product or Service

Additional

Fee Amount

$3

Product or Service

Christmas and Vacation Club

Product or Service

Minimum to Open

Fee Amount

$5

Product or Service

Withdrawals, one per year

Fee Amount

FREE

Product or Service

Additional

 

Fee Amount

$5

CHECKING ACCOUNTS

Product or Service Fee Amount

Kasasa Cash®

Minimum to Open

$25

Kasasa Cash Back®

Minimum to Open

$25

Traditional & Student

Minimum to Open

$25

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

Student Checking

FREE

Otherwise, Service Fee

$5/mo

Cashier's Checks

$3

Credit Union Checks to a 3rd Party

$3

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

10 free/yr

Reward

Minimum to Open

$25

Monthly Service Fee

$6/mo

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

$4/mo

Money Orders, two per month

FREE

Additional

$2

Cashier's Checks, two per month ($500 minimum)

FREE

Additional

$3

Stop Payments, two per year

FREE

Additional

$30

Credit Union Checks to a 3rd Party

$3

Verification of Deposit

$7

Outgoing Domestic Wire Transfers ($500 minimum)

FREE

Under $500 (per attempt)

$20

Prestige

Minimum to Open

$2,500

Accounts w/average daily balance of $2,500

FREE

Otherwise, Service Fee

$15/mo

Cashier's Checks

$3

Credit Union Checks to a 3rd Party

$3

ATM Transactions

5 free/mo

Overdraft Protection

Free

Value

Minimum to Open

$25

Monthly Service Fee

FREE

Flexible

Minimum to Open

$25

Monthly Service Fee, w/direct deposit

$10

Monthly Service Fee, w/o direct deposit

 

$15

Product or Service

Kasasa Cash®

Fee Amount
Product or Service

Minimum to Open

Fee Amount

$25

Product or Service

Kasasa Cash Back®

Fee Amount
Product or Service

Minimum to Open

Fee Amount

$25

Product or Service

Traditional & Student

Fee Amount
Product or Service

Minimum to Open

Fee Amount

$25

Product or Service

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

Fee Amount
Product or Service

Student Checking

Fee Amount

FREE

Product or Service

Otherwise, Service Fee

Fee Amount

$5/mo

Product or Service

Cashier's Checks

Fee Amount

$3

Product or Service

Credit Union Checks to a 3rd Party

Fee Amount

$3

Product or Service

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

Fee Amount

10 free/yr

Product or Service

Reward

Fee Amount
Product or Service

Minimum to Open

Fee Amount

$25

Product or Service

Monthly Service Fee

Fee Amount

$6/mo

Product or Service

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

Fee Amount

$4/mo

Product or Service

Money Orders, two per month

Fee Amount

FREE

Product or Service

Additional

Fee Amount

$2

Product or Service

Cashier's Checks, two per month ($500 minimum)

Fee Amount

FREE

Product or Service

Additional

Fee Amount

$3

Product or Service

Stop Payments, two per year

Fee Amount

FREE

Product or Service

Additional

Fee Amount

$30

Product or Service

Credit Union Checks to a 3rd Party

Fee Amount

$3

Product or Service

Verification of Deposit

Fee Amount

$7

Product or Service

Outgoing Domestic Wire Transfers ($500 minimum)

Fee Amount

FREE

Product or Service

Under $500 (per attempt)

Fee Amount

$20

Product or Service

Prestige

Fee Amount
Product or Service

Minimum to Open

Fee Amount

$2,500

Product or Service

Accounts w/average daily balance of $2,500

Fee Amount

FREE

Product or Service

Otherwise, Service Fee

Fee Amount

$15/mo

Product or Service

Cashier's Checks

Fee Amount

$3

Product or Service

Credit Union Checks to a 3rd Party

Fee Amount

$3

Product or Service

ATM Transactions

Fee Amount

5 free/mo

Product or Service

Overdraft Protection

Fee Amount

Free

Product or Service

Value

Fee Amount
Product or Service

Minimum to Open

Fee Amount

$25

Product or Service

Monthly Service Fee

Fee Amount

FREE

Product or Service

Flexible

Fee Amount
Product or Service

Minimum to Open

Fee Amount

$25

Product or Service

Monthly Service Fee, w/direct deposit

Fee Amount

$10

Product or Service

Monthly Service Fee, w/o direct deposit

 

Fee Amount

$15

MONEY MARKET ACCOUNTS (including Business Accounts)

Product or Service Fee Amount

Minimum to Open

$2,500

Accounts w/average daily balance of $500

FREE

Otherwise, Service Fee

$10/mo

3 Checks per month

FREE

More than 3 Checks per mo

$10/check

3 Withdrawals or Transfers per mo

FREE

More than 3 Withdrawals or Transfers per mo

 

$10/each

Product or Service

Minimum to Open

Fee Amount

$2,500

Product or Service

Accounts w/average daily balance of $500

Fee Amount

FREE

Product or Service

Otherwise, Service Fee

Fee Amount

$10/mo

Product or Service

3 Checks per month

Fee Amount

FREE

Product or Service

More than 3 Checks per mo

Fee Amount

$10/check

Product or Service

3 Withdrawals or Transfers per mo

Fee Amount

FREE

Product or Service

More than 3 Withdrawals or Transfers per mo

 

Fee Amount

$10/each

WIRE

Product or Service Fee Amount

Incoming

$5

Outgoing (each attempt)

$20

International (each attempt)

$50

International Trace

 

$25

Product or Service

Incoming

Fee Amount

$5

Product or Service

Outgoing (each attempt)

Fee Amount

$20

Product or Service

International (each attempt)

Fee Amount

$50

Product or Service

International Trace

 

Fee Amount

$25

SMALL BUSINESS ACCOUNTS

Product or Service Fee Amount

Business Checking

Minimum to Open

$250

Accounts w/average daily balance of $2,500

FREE

Otherwise, Service Fee

$25/mo

Automatic Overdraft Transfer Fee

$3

Business Non-Profit Checking

Minimum to Open

$250

Monthly Service Fee

$10/mo

Automatic Overdraft Transfer Fee

 

$3

Product or Service

Business Checking

Fee Amount
Product or Service

Minimum to Open

Fee Amount

$250

Product or Service

Accounts w/average daily balance of $2,500

Fee Amount

FREE

Product or Service

Otherwise, Service Fee

Fee Amount

$25/mo

Product or Service

Automatic Overdraft Transfer Fee

Fee Amount

$3

Product or Service

Business Non-Profit Checking

Fee Amount
Product or Service

Minimum to Open

Fee Amount

$250

Product or Service

Monthly Service Fee

Fee Amount

$10/mo

Product or Service

Automatic Overdraft Transfer Fee

 

Fee Amount

$3

VISA® CHECK CARD (Debit Card)

Product or Service Fee Amount

Chargeback

$25

Copy of Sales Slip

$18

Debit Overdraft from Share (one free permo), additional

$3/ea

Point of Sale Transactions (PIN)

FREE

Purchases (signature)

FREE

Reissue PIN

FREE

Replacement Check (Debit) Card

$10/each

Research Expenses (1 hour minimum)

$25/each

Used at ATM for Cash or Inquiry

ACU ATM Network

FREE

ATM not part of ACU ATM Network

$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.

 

Product or Service

Chargeback

Fee Amount

$25

Product or Service

Copy of Sales Slip

Fee Amount

$18

Product or Service

Debit Overdraft from Share (one free permo), additional

Fee Amount

$3/ea

Product or Service

Point of Sale Transactions (PIN)

Fee Amount

FREE

Product or Service

Purchases (signature)

Fee Amount

FREE

Product or Service

Reissue PIN

Fee Amount

FREE

Product or Service

Replacement Check (Debit) Card

Fee Amount

$10/each

Product or Service

Research Expenses (1 hour minimum)

Fee Amount

$25/each

Product or Service

Used at ATM for Cash or Inquiry

Fee Amount
Product or Service

ACU ATM Network

Fee Amount

FREE

Product or Service

ATM not part of ACU ATM Network

Fee Amount

$1

Product or Service

*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

Account Printout (per page)

$3

ACH Debit Origination Return Item

$35 per presentment

ACH Debit Origination to Deposit Account

$5

ACH Debit Origination to Loan 'Check by Phone'

$10

Bad Address/Returned Statement

$5/mo

Cashier's Check

$5

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

1% of check being cashed, $3 min

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

$25

Coin Processing (members under 18 exempt)

5% of total

non-member coin processing

8% of total

Collection Items (domestic) Under $25

$25

Collection Items (domestic) $25 - $99.99

$25

Collection Items (domestic) $100 or more

$25

Copy of Cancelled Check

$3

Copy of Statement

$5

Credit Union Check to a 3rd party

$5

Electronic Cash Management

$15/each

Employee Assisted Telephone Inquiry

$2

Insufficient Funds (NSF)- Flexible Checking

$37 per presentment

Insufficient Funds (NSF)- Business Accounts

$40 per presentment

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

$35 per presentment

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

$75

Money Order

$3

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

FREE

Overnight Mail

$30-$60

Paper Statements

$3

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

FREE

Photocopies & Faxes

$3 first page, $1 each additional page

Reconciling/Research of Checking Account (1 hour minimum)

$25/hour

Returned Check (deposited item)

$15

Safe Deposit Boxes

3 x 5

$25/yr

3 x 10

$35/yr

5 x 10

$60/yr

10 x 10

$100/yr

Safe Deposit Box Lost Key

Market Rate

Safe Deposit Box Drilling

Market Rate

Safe Deposit Box Late Fee

$10

Skip-a-Pay (per loan)

$35

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

$30

Temporary Checks (minimum4 checks)

$1/per 4

Verification of Deposit

$15

VISA® Gift Card

$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