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Other Services

Fee Schedule

Common Fees

Regular Share Savings

Special Savings

IRA

JAMMS/JAMMS Jr.Savings

UTMA

Club Accounts

Preferred Money Market

Ultimate Checking
 

JAMMS Checking

Business Checking

Visa Check Card-Debit Card

Wire Orders

Money Orders/Cashier's Checks

Automated Drafts

Overnight Mail

Loan Proceeds

Home Banking
 

Phone Banking

E-Statements

Bill Pay

Safe Deposit Boxes

Fax Fees



 

Common Fees
Membership Fee FREE
Account Research and Reconciliation $20 per hour
(min. 1 hour)
On-line Statement Copy (E-Statements) FREE
Statement Copy (from teller) $2 per statement
On-line History Copy (Home Banking) FREE
History Copy (from teller) $2 per copy
Non-Member Auto Title Work $25
Collection Item ($100 and more) $10 per item
Instant Check Payment Processor $10 per request
Account Closure within 12 months of opening $10
Returned Statement FREE
Replacement of Lost Teller's Check FREE
Stop Payment of Teller's Check $5 per check
Balance Inquiries and Transfers from a Teller FREE
Non-Member Coin Sorter Service 5%
Account Levy or Garnishment $10

 
Regular Share Savings/Special Savings/IRA/JAMMS/JAMMS Jr./UTMA
Inactive Account FREE
Reopen Account FREE
IRA Opening FREE
IRA Annual Administration Fee FREE
IRA Closing Fee (unless withdrawing early) FREE
IRA Closure within 30 days $25

 
Club Accounts
Christmas Club Withdrawal/Transfer
(January 1- October 31)
$5 per transaction
Vacation Club Withdrawal/Transfer
(September 1 - March 31)
$5 per transaction
Inactive Account FREE
Reopen Account FREE

 
Preferred Money Market
Balance $500 and up FREE
Inactive Account FREE
Reopen Account FREE
Balance below $500 $3 per month
Withdrawal
(for more than 3 non-check withdrawals per month)
$5
Per Check (for more than 4 checks per month) $7

 
Ultimate Checking Account/JAMMS Checking/Business Checking
Ultimate Checking FREE
JAMMS Checking FREE
Inactive Account FREE
Reopen Account FREE
Check Reorder (without reorder form) $2 per order
Non-Sufficient Funds (NSF) Fee* $29 per check
Stop Payment Fee - ACH/Paper Draft
 
$20 per item or numerical order of checks
($25 after three stop pays in the past six months)
Stop Payment Fee-ACH only $10 per item
Automatic Overdraft Transfer**
 
$2 per check
Courtesy Pay $29
Check Processing
(check from non-ACU vendor that cannot be processed)
$5 per item
Returned Deposited Check $5 per check
Check Copy (through Home Banking &
E-statements)
FREE
Check Copy (from a teller) $2 per check
(after 2 free per month)
Temporary Checks $2 per pack
Check Inquiry (after 1 free per week) $2 per inquiry
Business Checking $5 per month
Returned 3rd Party Deposit Check to Business Accounts $10 per check

 
Visa® Check Card-Debit Card
Check Card-Debit Card FREE
Replacement $5
Expedited Replacement $60
PIN Reissue $2
Purchases FREE
Point-Of-Sale FREE
ATM Cash Withdrawals from any CU24™ Financial Network ATM FREE
ATM Cash Withdrawals from any SelectATM™ FREE
ATM Cash Withdrawals from any CO-OP Financial Network ATM FREE
ATM Cash Withdrawals from any ACU ATM FREE
ATM Cash Withdrawal Fee***
(outside the ACU, SelectATM and CO-OP networks)
2 FREE per month (after 2, $1 per transaction)
Check Card NSF* $29 per transaction
Automatic Overdraft Transfer** $2 per transfer
Merchant Transaction Copy Up to $10 per copy

 
Wire Orders
Domestic Bank Wire Transfer $15 per wire
International Wire Transfer (conversion fees not included) $35 per wire
Western Union® Money Wire $15 per wire
Domestic Bank Wire Transfer (incoming) $5 per wire
   

 
Money Orders/Cashier's Checks
Money Order $2.00 per money order
(effective 04/01/2013)
Cashier's Check $ 2 per check
Visa Gift Cards $3 per card
   
   

 
Automated Drafts
ACH Overdraft Transfer $2 per transfer
Stop Payment - ACH/Paper Draft $20 - $25 per item
   For ACH only $10 per item
ACH NSF* $29 per draft

 
Overnight Mail
For ACU loans and account transactions
Overnight Mail Market Rate****

 
Loan Proceeds
Cashier's Check (Loan Proceeds Fee) $1 per check
Wire Transfer $5 per transfer
Re-Order Loan Coupons $3

 
Home Banking*****
   Enrollment Fee FREE
   Monthly Fee FREE
   Check Images FREE

 
Phone Banking
   Enrollment Fee FREE
   Monthly Fee FREE

 
E-Statements
   Enrollment Fee FREE
   Monthly Fee FREE

 
Bill Pay
   Enrollment Fee FREE
   Monthly Fee FREE
   Transaction Fee FREE
   NSF Fee* $29 per item

 
Safe Deposit Boxes
Safe Deposit Box Rental (subject to availability)
    3 x 5 box $15 per year
    3 x 10 box $28 per year
    5 x 10 box $50 per year
    10 x 10 box $90 per year
Safe Deposit Box Lost Key Market Rate
Safe Deposit Box Drilling Market Rate
Safe Deposit Box Late Fee $5
Note: Cash in Safe Deposit Box is not insured.

 
Fax Fees
Local Fax $2 per fax
Non-Local Fax $5 per fax

 
 Other FREE Services
  • Internet Loan Application
  • Vehicle Purchasing Information
  • Real Estate/Home Equity Loan Application
  • Toll-free fax line
  • Toll-free phone numbers
   
   
   
   

 
 
 
 
*Includes returned ACH items, returned NSF checks, paid NSF checks, held funds returned NSF checks, and held funds paid NSF checks.
**Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, Bill Pay, or other electronic means.
***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.
****Based on carrier
*****Any Internet Home Banking user with an inactive status of more than 6 months will be deleted and will need to enroll as a new user to re-activate this service.
Rev: March 2017