Personal Accounts Fee Schedule

Qualifying Services


Access Checking

  • No monthly fee with 4 Qualifying Services or $10,000 average combined balance in deposit and/or loan accounts; otherwise $5

Value Checking

  • No monthly fee with 5 Qualifying Services or $20,000 average combined balance in deposit and/or loan accounts; otherwise $8

Premium Checking

  • No monthly fee with 7 Qualifying Services or $30,000 average combined balance in deposit and/or loan accounts; otherwise $10

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

Checking Related Fees

  • Overdraft transfer from any account or line of credit ($100 increments at the end of the day): $5 each
  • NSF returns and paid overdrafts (Basic Reserve fee) for checks and ACH items (1 fee per account, per business day): $30 each7
  • Checks deposited or cashed, returned unpaid (Deposited item rev fee): $10 each
  • Stop payment (check or ACH items) (Stop & Misc charge): $29 each
  • ACH withdrawals: 30 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

  • No monthly fee with 2 Qualifying Services or minimum average balance of $1,000; otherwise $5
  • Transactions over stated limits (Reg D fee): $10 each8
  • Stop payment on ACH withdrawals (Stop & misc charge): $29 each
  • NSF returns and paid overdrafts (ACH) (1 fee per account, per business day): $30 each7

Debit Card or ATM Card - Related Fees

  • Debit card ATM transactions and purchases: Free, unlimited9
  • ATM-only Cards:
    • More than 2 withdrawals at non-UW Credit Union ATMs: $2 each9
    • UW Credit Union cash and POS purchases: Free, unlimited
  • Overdraft fee (recurring debits only) (1 fee per account, per day): $30 each7
  • Rush card and/or PIN order: Varies
  • Card replacement:
    • Damaged, stolen or expired card: Free
    • For more than one lost card per year (Replacement Debit Fee): $5 each

Money Market Accounts

  • Transactions over stated limits: $10 each8
  • NSF returns and paid overdrafts (check or ACH) (1 fee per account, per business day): $30 each7
  • 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 Checking is free; otherwise $4 each
  • International check exchange fees: Varies
  • International draft: $17 each
  • Foreign Currency Shipping Cost: Varies
  • Money orders with Premium Checking (up to $1,000) is free; otherwise $2 each
  • 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
      • 3x5x22": $35/year
      • 3x10x22"or 5x5x22": $60/year
      • 5x10x22": $85/year
      • 10x10x22": $110/year
      • Drill and rekey deposit box (min $150): Varies
      • Lost key: $10

Money Transfers

Online Banking (through Web Branch)

1 Debit card must be active with one transaction posted within the previous four months.
2 Credit card must be active with one transaction posted within the previous four months or carry a balance greater than zero.
3 Minimum balances: Money Market - $2,500; IRAs or College Fund - $500.
4 Valid for Rewards Checking and active savings (last 12 months) accounts only.
5 $500 minimum balance required for home equity accounts.
6 Direct Deposit or Mobile Deposit must be active within the previous four months; and must total at least $200 in an active month.
7 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).
8 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.
9 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.
10 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.

Note: 2 or more accounts or loans in the same category from the Qualifying Services count as 1 Qualifying Service.

UW Credit Union retains the right to adjust any fees.

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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