Fee Schedule

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Personal Account Fee Schedule

Effective XXX XX, 2025

Checking Fees

Charge for Servicing Account: $3.00¹

Per Check Charges: 10¢ per item¹

Stop Payment Charge: $20.00

Insufficient Funds Charge: $30.00²

Check Order Charge: Fees Vary

¹Waived if an average daily balance of $400.00 is maintained during the month or if a direct deposit is credited to the account during the month. Waived if 60 years of age or older.

²$5.00 if 60 years of age or older. Created by check, ATM/Debit card, POS transactions or other electronic means.

ATM Fees

Replacement ATM or MasterMoney Card: $15.00

Unlimited free ATM withdrawals and deposits.

Notice Regarding ATM Fees by Others

If you use an automated teller machine that is not operated by us or the SUM Network, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

Other Service Fees

Uncollected Funds: $10.00

ACH Insufficient Funds: $30.00

Recurring Debit Card Transaction Insufficient Funds: $30.00

Return of deposited or cashed items (including loan payments):

Member-Owned: $30.00
Third-Party: State Maximum

BCU Check Cashing for Non-Members: $4.00

Early Account Closure (within first 90 days): $30.00

Outgoing Wire Transfer

Domestic: $25.00
Foreign: $35.00

Incoming Wire Transfer

Domestic & Foreign: $10.00

Stop Payment: $20.00

Copy of check or deposit slip: $10.00

Teller Check: $4.00

Bad Address (per statement): $5.00

Fax Loan Pay-off: $40.00

Online Password Reset: $2.00

Over-The-Counter Check: 50¢

Copy of Official Checks: $10.00

Abandoned Property: $50.00

Notice of Levy: $50.00

Money Order: $2.00/money order

Research: $30.00/hour

Duplicate Statement: $10.00/statement

Collection Item: Fees Vary

IRAs: $25 plan fee assessed to all new and existing IRA plan(s), automatically debited from the member’s IRA in December; $25 IRA closeout fee

Business Account Fee Schedule