Personal Accounts Fee Schedule

 

Launch Account

  • Monthly fee: none

Clear Account

  • Monthly fee: none with Direct or Mobile Deposit1 or on accounts held by primary owners under age 18; otherwise $5

Encore Account

  • Monthly fee: $5 with Direct or Mobile Deposit1 - otherwise $10

Rewards Checking Accounts

  • Access
    No monthly fee with 4 Qualifying Services or $10,000 average combined balance in deposit and/or loan accounts, or on accounts held by primary owners under age 18; otherwise $5
  • Value
    No monthly fee with 5 Qualifying Services or $20,000 average combined balance in deposit and/or loan accounts; otherwise $8
  • Premium
    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 account is pre-packaged for you to meet any minimum requirements and avoid monthly fees.

Qualifying Services

  • Savings
  • Checking
  • ATM or Debit Card1
  • Visa® Credit Card1
  • Long-term Assets: Money Markets, Certificates, IRAs, College Fund2
  • Vehicle Loans
  • Home Loans3
  • Home Equity Loans4
  • Student Loans3
  • Reserve Line of Credit and Personal Loans
  • Investments
  • Paperless Statements3
  • Direct Deposit or Mobile Deposit1
  • Member 10+ Years3

Rewards Checking Related Fees

  • Overdraft Transfer Free from any account or line of credit ($100 increments at the end of the day): $5 each
  • Paid Overdraft Fee (Basic Reserve) for checks and ACH items (1 fee per account, per business day): $5 each5
  • 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: $2

Other Fees or Limitations on Clear, Encore, or Launch Accounts

  • Paper statement fee per envelope: $2
  • No overdraft service or Basic Reserve available
  • No checks written or cleared
  • No ATM deposits to Launch or Encore accounts
  • No web branch outgoing external money transfers from Launch or Encore accounts

Savings Accounts

  • No monthly fee with 2 Qualifying Services or minimum balance of $1,000, or on accounts held by primary owners under age 18; otherwise $5
  • Stop payment on ACH withdrawals (Stop & misc charge): $29 each

 Debit Card or ATM Card – Related Fees

  • Debit card ATM transactions and purchases: Free, unlimited6
  • Rush card and/or PIN order: Varies
  • ATM-only Cards:
    • More than 2 withdrawals at non-UW Credit Union ATMs: $2 each6
    • UW Credit Union cash and POS purchases: Free, unlimited
  • Card replacement:
    • Damaged, stolen or expired card: Free
    • For more than one lost card per year (Replacement Debit Fee): $5 each

Money Market Accounts

  • Investor’s Indexed monthly service charge when balance falls below $10,000 (Service Fee): $15

 Trust or Estate Checking Accounts

  • 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
  • Non-Member Check Cashing Fee: $5 per check
  • Returned Mail Fee: $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

  • Web Branch, Zelle®, & incoming external transfers: Free
  • 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 wires: Varies

Online Banking (through Web Branch)

  • Mobile Banking: Free7
  • Mobile Deposit: Free7
  • Text Banking: Free7
  • Web Pay: Free
  • Money Management Tools: Free