consumer fees schedule

Effective September 1, 2018 (Subject to Change)

We’re always looking for ways to make your money go further. We’re among the very best at keeping your fees to a minimum with low- or no-costs for most services.

Review the new Consumer Fee Schedule coming June 1 (PDF)

Have questions? Contact a Member Service Advisor at (888) 982-1400.


Membership Savings Account

No monthly service charge if you keep a $300 minimum daily balance or if you have another account with us, like a loan or checking account. Please note that Holiday Club, IRA Money Market, Achiever Savings and other Membership Savings accounts are not considered as additional account relationships.

$3.00/month if none of the above criteria are met.

Money Market Accounts

No monthly service charge with $1,000 minimum daily balance.

$10.00/month if balance falls below $1,000.

Platinum Plus Checking

No monthly service charge with $1,000 minimum daily balance, an active consumer or mortgage loan, or $5,000 in combined balances of any savings, checking or money market accounts.

$10.00/month if none of the above criteria are met.


No monthly service charge with an open and active Ultra Checking, Rewards Checking or Platinum Plus Checking account, or for account owners under the age of 26.

$5.00/month if none of the above criteria are met.

Checking Services

Stop Payment (any type) $30.00
Check Copies - Staff Assisted $5.00
Returned Deposit Items $15.00
Non-Sufficient Funds Items (any type) $32.00
Courtesy Pay Fee $32.00
Overdraft Protection - Savings or Line of Credit Transfer $10.00

Convenience Services

Corporate Check

Charged when payable to a 3rd party
Skip-a-Payment $40.00/loan
Counter Checks (minimum 4 checks) 0.75
Teller Assisted Savings Withdrawal (Over 5 per month) $2.00
Telephone Transfer $2.00
Statement Copies or Account History $5.00

Account Closing (within first 90 days)

Does not apply to Youth Savings accounts

Property Tax Savings Excessive Withdrawal

For withdrawals in excess of 4 per month

Domestic Wire Transfer

3:30 PM EST deadline for same day posting

International Wire Transfer


Debit and Credit Card Services

Replacement for Damaged or Lost Card

ATM Overdraft $32.00/transaction
Withdrawals at ATMs (Foreign institution surcharge may apply)
> 5 per month (at Foreign ATMs) $2.00
ATM Balance Inquiry $2.00/each
Rush Card Order
Domestic $35.00
International at cost
Visa Late Payment Fee (first occurrence) $27.00
Subsequent occurrences within 6 months $37.00

Visa Non-Sufficient Funds Payment Fee


Other Services

Tax Levy/Garnishment

Research Service $25.00/hr
ACH or other returned items $32.00
Returned Mail $10.00
Verification of Funds $25.00
United Originated ACH Transaction
One-time transfer fee $15.00
Recurring transfer fee $10.00/each
Loan Modification Fee $50.00
Escheatment Fee $50.00
Inactivity Fee $7.00
Foreign Collection $40.00
Overnight Letter (UPS Actual Cost) $15.00 minimum

Subpoena Info Request


Bill Pay

Expedited Payment - Electronic

Expedited Payment - Overnight Check $24.95
Year-End CD disc $24.95
CD disc Shipping & Handling $1.95

UFCU Routing Number: 272484894

Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.