Fee Schedule
FEE SCHEDULE
Effective April 1, 2026
Savings
Share Savings
Minimum to Open$25
Withdrawals, Six per monthFree
Over six$5/ea
Automatic Overdraft Transfer Fee, one per monthFree
Additional$3
Momentum+ Rewards Savings
Minimum to Open$25
Automatic Withdrawals & Transfers
Six per monthFree
Over six$5/ea
Automatic Overdraft Transfer Fee, one per monthFree
Additional$3
Christmas and Vacation Club
Minimum to Open$5
Withdrawals, one per yearFree
Checking Accounts
Momentum+ Rewards Checking
Minimum to Open$0
Monthly Service Fee, w/direct deposit of $600+ monthly$0
Monthly Service Fee, w/direct deposit of less than $600 monthly$9.99
Traditional & Student
Minimum to Open$25
Accounts w/daily balance of $500, Gold Club (age 65 & over), or Student Checking$0
Otherwise, Monthly 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 monthFree
Additional$2
Cashier's Checks, two per month ($500 minimum)Free
Additional Cashier's Checks$3
Stop Payments, two per yearFree
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 $2,500Free
Otherwise, Service Fee$15/mo
Cashier's Checks$3
Credit Union Checks to a 3rd Party$3
ATM Transactions5 free/mo
Overdraft ProtectionFree
Value
Minimum to Open$25
Monthly Service Fee$0
Flexible
Minimum to Open$25
Monthly Service Fee, w/direct deposit$10
Monthly Service Fee, w/o direct deposit$15
Money Market Accounts (including Business Accounts)
Minimum to Open$2,500
Accounts w/average daily balance of $500Free
Otherwise, monthly Service Fee$10/mo
3 Checks per monthFree
More than 3 Checks per mo.$10/check
3 Withdrawals or Transfers per mo.Free
More than 3 Withdrawals or Transfers per mo.$10/ea
Wire Transfers
Incoming$5
Outgoing (each attempt)$20
International (each attempt)$50
International Trace$25
Small Business Accounts
Business Checking
Minimum to Open$250
Accounts w/average daily balance of $2,500Free
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
Visa® Check Card (DebitCard)
Chargeback$25
Copy of Sales Slip$18
Debit Overdraft from Share (one free per mo), additional$3/ea
Point of Sale Transactions (PIN)Free
Purchases (signature)Free
Reissue PINFree
Replacement Check (Debit) Card$10/ea
Research Expenses (1 hour minimum)$25/hr
Used at ATM for Cash or Inquiry
ACU ATM NetworkFree
ATM not part of ACU ATM Network$1
Other Service Fees
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 Fee1% of check being cashed, $3 min
(If there is no other checking account, loan or compensating balance)
Closed Account Fee$25
(any savings acct closed within 6 months of opening)
Coin Processing (members under 18 exempt)5% of total
non-member coin processing8% of total
Collection Items (domestic) Under $25$25
Collection Items (domestic) $25 to $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/ea
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$35 per presentment
(Includes personal checks you write, ACH debits, paid NSFs and debit card transactions)
Lien/Levy/Attachment/Garnishment (plus attorney fees)$75
Money Order$3
Online ServicesFree
(Home Banking, Bill Pay, E-statements, Online Check Ordering)
Overnight Mail$30-$60
Paper Statements$3
Gold Club - age 65 & over and ages 18 & underFree
Photocopies & Faxes$3 first page, $1 each additional page
Reconciling/Research of Checking Account (1 hour minimum)$25/hr
Returned Check (deposited item)$15
Safe Deposit Boxes
3 X 5$25/yr
3 X 10$35/yr
5 X10$60/yr
10 X 10$100/yr
Safe Deposit Box Lost KeyMarket Rate
Safe Deposit Box DrillingMarket 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 (minimum 4 checks)$1/per 4
Verification of Deposit$15
VISA® Gift Card$5
Federally insured by NCUA 04/2026