consumer fees schedule

Effective April 1, 2022 (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.

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


Membership Savings Account

No monthly service charge with $300 minimum daily balance or when you have other account relationships with the credit union. Holiday Club, IRA Money Market, Achiever Savings and other Membership Savings accounts are not recognized as another account relationship.

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

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 when the Tax Select Owner* is also the Tax Select Owner* of an open and active Ultra Checking, Rewards Checking or Platinum Plus Checking account or an owner is 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) No fee
Courtesy Pay Fee $20.00
Overdraft Protection - Savings or Line of Credit Transfer No fee

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              No fee

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

 No fee
ATM Overdraft $20.00/transaction
Activity at non-United ATMs (Foreign surcharge may apply)

> 5 Per Month (at Foreign ATMs)


ATM Balance Inquiry

Rush Card Order




at cost
Visa Late Payment Fee (first occurrence) $29.00

Subsequent Occurrences Within 6 Months


Visa Non-Sufficient Funds Payment Fee


International Service Assessment (Debit Only)


Other Services

Tax Levy/Garnishment

Research Service $25.00/hr
ACH or Other Returned Items No fee
Returned Mail $10.00
Verification of Funds $25.00
United Originated ACH Transaction

One-Time Transfer Fee

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