Fee Schedule—Personal Accounts

Other Fee Schedules: Business Services | Organization Services

Access Checking
No monthly service charge when 4 Qualifying Services maintained or $10,000 average combined balance in deposit accounts. Otherwise	$3
More than 15 checks per month	$3
Value Checking
No monthly service charge when 5 Qualifying Services maintained or $20,000 average combined balance in deposit accounts. Otherwise	$6
Premium Checking
No monthly service charge when 7 Qualifying Services maintained or $30,000 average combined balance in deposit accounts. Otherwise	$8
Checking-Related Fees
Check copy	$3 ea.
Checks deposited or cashed, returned unpaid	$7 ea.
Check returned "account closed"	$25 ea.
Closing fee (within 10 days of opening)	$10
Overdraft transfer ($100 increments) Waived with Value or Premium checking, and with transfers from Reserve Life of Credit	$5 ea.
NSF/overdraft (Returned Checks or ACH)	$25 ea.2
Basic Reserve (Paid Checks or ACH)	$25 ea.2
Personalized printed checks	Varies
Stop payment	$24 ea.
Savings
No monthly service charge when 2 Qualifying Services maintained or minimum average balance of $1,000. Otherwise	$3
Transactions over stated limits	$5 ea.1
NSF/overdraft (paid or returned)	$25 ea.2
Debit Card or ATM Card-Related Fees
Card replacement	$5 ea.
Debit Card sales draft retrievals	$5 ea.
Overdraft fee	$25 ea.2
Rush card and/or PIN Order	Varies
ATM cards: All debit card withdrawals at UWCU-owned ATMs are free More than 2 withdrawals at non-UWCU ATMs	$1.50 ea.4
Qualifying Services
Savings Overdraft/Personal Loans/Lines Checking Alternative Investments ATM or Debit Card Home Equity Loans/Lines Web Statements Visa Credit Cards Direct Deposit Mortgage Loans Money Markets Student Loans Certificates Vehicle Loans IRAs Member 10+ Years To qualify: ATM or Debit Card must be active with one transaction posted by the last business day of the month. Direct Deposit must be active within the previous four months. Money Market Accounts must have a minimum balance of $2,500. Campus Package members: Your Qualifying Services are pre-packaged for you to meet the minimum requirements and avoid monthly fees.
Money Market Accounts
Transactions over stated limits	$5-$25 ea.1
NSF/overdraft (paid or returned)	$25 ea.2
Investor's Indexed monthly service charge when balance falls below $10,000	$15
Trust or Estate Checking
No monthly service charge
Miscellaneous Services
Cashier's check Waived with Premium checking	$4 ea.
Check cashing per check (member with savings only)
Up to $100	$2
Over $100	$2 per $100, rounded to the lowest $100
Copies
Printout of account activity	$5/acct.
Statement copy	$5/mo.
Garnishment and Levies	$25 ea.
Gift checks/cards Waived with Premium checking	$2.50 ea.
International check exchange fees	Varies
International draft	$17 ea.
Money orders (up to $1,000) Waived with Premium checking	$2 ea.
Reconciliation/balancing/research	$20/hr.
Reopening membership account within 60 days	$10
Returned statement (invalid address)	$5
Safe Deposit Boxes3
3x5x22"	$25/yr.
3x10x22"	$50/yr.
5x10x22"	$75/yr.
10x10x22"	$100/yr.
Drill and rekey deposit box	Varies (min $100)
Lost key	$10
Traveler's Checks Waived with Premium checking
For one	1% of face value
For two	1.5% of face value
Money Transfers
Incoming wires	$10
Outgoing domestic wires	$15
Outgoing international wires & Vigo	Varies
MoneyLink & incoming external account	Free
Outgoing external account	$2
External account "express"	$10

¹For savings and Money Market accounts: As required by law, the number of withdrawals by phone, preauthorized, or domestic transfers may not exceed a combined total of 6 a month, with no more than 3 by check withdrawal or similar order payable to a third party. Excessive transfers may result in a fee, returned checks, and/or account closure.
²No more than 3 fees will be charged to an account during one business day.
³Safe deposit boxes and their contents are not insured by NCUA, UW Credit Union, or any agency.
⁴All debit card withdrawals at UWCU-owned ATMs are free. Surcharges by another institution may apply.
UW Credit Union retains the right to adjust any fees.