Personal Accounts Fee  Schedule

Qualifying Services

  • Savings
  • Checking
  • Visa® Debit Card1
  • Visa® Credit Card2
  • Long-term Assets: Money Markets, Certificates, IRAs, College Fund3
  • Vehicle Loans
  • Home Loans4
  • Home Equity Loans5
  • Student Loans4
  • Reserve Line of Credit and Personal Loans
  • Investments
  • Web Statements4
  • Direct Deposit or Mobile Deposit6
  • Member 10+ Years4

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
  • Overdraft fee (recurring debits only) (1 fee per account, per day): $30 each7
  • Rush card and/or PIN order: Varies
  • ATM-only Cards:
    • More than 2 withdrawals at non-UW Credit Union ATMs: $2 each9
    • 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

  • 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

  • Web Branch Money Link & 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: Free10
  • Mobile Deposit: Free10
  • Text Banking: Free10
  • Web Pay: Free
  • Money Management Tools: Free