Fee Schedule—Personal Accounts

Other Fee Schedules: Business Services | Organization Services

Qualifying Services

*ATM or debit card must be active with one transaction posted within the previous four months. Credit card must be active with one transaction posted anytime within the previous four months or carry a balance greater than zero. Direct Deposit or Mobile Deposit must be active within the previous four months and must total at least $200 in an active month.

**To count as one Qualifying Service, at least one of the following minimum balances is required: Money Market - $2,500; IRAs or College Fund - $500.

***Valid for Rewards Checking and active savings accounts only. Not valid for savings accounts that have been inactive in the past year.

****$500 minimum balance required for home equity accounts.

Campus Package members: Your Qualifying Services are pre-packaged for you to meet the minimum requirements and avoid monthly fees.

Simple DisclosureAccess Checking
With 4 Qualifying Services or $10,000 average combined balance in deposit and/or loan accounts No monthly fee
Otherwise $5
Simple DisclosureValue Checking
With 5 Qualifying Services or $20,000 average combined balance in deposit and/or loan accounts No monthly fee
Otherwise $8
Simple DisclosurePremium Checking
With 7 Qualifying Services or $30,000 average combined balance in deposit and/or loan accounts No monthly fee
Otherwise $10
Checking-Related Fees
Overdraft transfer from any account or line of credit
($100 increments at the end of the day)
$5 ea.
NSF returns and paid overdrafts (Basic Reserve fee) for checks and ACH items
(1 fee per account, per business day)
$30 ea.1
Checks deposited or cashed, returned unpaid (Deposited item rev fee)$10 ea.
Stop payment (check or ACH items) (Stop & Misc charge)$29 ea.
ACH withdrawals30 free per month,
$0.50 thereafter
Personalized printed checks (one free UW Credit Union branded wallet box/year for Premium Checking)Varies
Paper Statement Fee per envelope$3
Savings
With 2 Qualifying Services** or minimum average balance of $1,000No monthly fee
Otherwise $5
Transactions over stated limits (Reg D fee)$10 ea.2
Stop payment on ACH withdrawals (Stop & misc charge)$29 ea.
NSF returns and paid overdrafts (ACH) (1 fee per account, per business day)$30 ea.1
Debit Card or ATM Card-Related Fees
Debit card ATM transactions and purchasesFree, unlimited3
ATM-only Cards:
More than 2 withdrawals at non-UW Credit Union ATMs $2 ea.3
UW Credit Union cash and POS purchases Free, unlimited
Overdraft fee (recurring debits only) (1 fee per account, per day)$30 ea.1
Rush card and/or PIN OrderVaries
Card replacement:
Damaged, stolen or expired card Free
For more than one lost card per year (Replacement Debit Fee) $5 ea.
Money Market Accounts
Transactions over stated limits$10 ea.2
NSF returns and paid overdrafts (check or ACH) (1 fee per account, per business day)$30 ea.1
Investor's Indexed monthly service charge when balance falls below $10,000 (Service Fee)$15
Trust or Estate Checking
No monthly service charge
Miscellaneous Services
Cashier's check over $1,000 or with Premium CheckingFree
Otherwise $4 ea.
International check exchange feesVaries
International draft$17 ea.
Foreign Currency Shipping CostVaries
Money orders with Premium Checking (up to $1,000)Free
Otherwise $2 ea.
Returned paper statement (invalid address)$10
Safe Deposit Boxes:
Safe deposit boxes and their contents are not insured by NCUA, UW Credit Union or any agency.
3 x 5 x 22"$35/yr.
3 x 10 x 22" or 5 x 5 x 22"$60/yr.
5 x 10 x 22"$85/yr.
10 x 10 x 22"$110/yr.
Drill and rekey deposit box (min $150)Varies
Lost key$10
Money Transfers
Web Branch Money Link & incoming external transfersFree
Web Branch outgoing external transfers$2
Web Branch outgoing Express external transfers$10
Note: Fees from other financial institutions may apply to the services listed below.
Incoming wires$15
Outgoing domestic wires$20
Outgoing international wiresVaries
Online Banking (through Web Branch)
Mobile BankingFree 4
Mobile DepositFree 4
Text BankingFree 4
Web PayFree
Money Management ToolsFree

1 ACH debit, recurring debit card and check overdrafts will not be charged overdraft fees if the resulting available balance is between zero and negative ten dollars (-$10).
2 For savings and Money Market accounts: As required by law, the number of withdrawals by check, phone, preauthorized, or domestic transfers may not exceed a combined total of six a month. Excessive transfers may result in a fee, returned checks, and/or account closure.
3 Surcharges by another institution may apply at their ATMs. For transactions conducted outside the U.S. or with merchants located outside the U.S., Visa will add a "foreign transaction fee" of 0.8% if the transaction is in U.S. Dollars, and 1% if the transaction is in another currency.
4 You may be charged for web access and text messages by your mobile carrier. Check with your carrier for details on specific fees and charges.
UW Credit Union retains the right to adjust any fees.

 

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Phone
Local 608-232-5000
Toll Free 800-533-6773
UW Credit Union's Routing Number: 2759-7907-6
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UW Credit Union
pref 3500 University Avenue
Madison, WI 53744-4963 43.075532 -89.448226
UW Credit Union, postal PO Box 44963, Madison, WI 53744-4963
43.075532 -89.448226