Schedule of Fees and Charges

Effective as of March 1, 2024

Free Services

Balance InquiryFREE
Copy of Cleared Check (one per month)FREE
Credit Union Check (if made in Member’s name)FREE
Deposited Checks (250 per month)FREE
eServices: Bill Pay, eStatements, Mobile Banking Online BankingFREE
Notary Public Service (members)FREE
Statement (mailed) FREE
Transfer by PhoneFREE


Account closed within 90 days$25.00
Account Ownership TIN & EIN Exception Processing$100.00
Bad Address Fee (per month)$5.00
Copy of Cleared Check (per item after 1)$5.00
Copy Fee (per page)$0.50
Credit Union Check (in name of 3rd party)$5.00
Deposited Checks (over 250 per month/per item)$0.20
Dormant Checks/Money Orders (per item)$25.00
Dormant/Inactivity Fee (per month after 12 months)$10.00
Escheatment Fee$100.00
Excessive Transfers – Reg D (per item after 6)$10.00
Membership Fee$10.00
Money Order$2.00
Negative Balance Fee (per month)$10.00
Notary Public Service – Non Members$5.00
Notice of Levies/Writes of Execution, Citation, Subpoena, Garnishment Summons (plus all incurred cost)$100.00
Personal Check PrintingVaries
Requested Verification Letter$10.00
Research (per hour – 1 hour minimum)$25.00
Statement Fee (duplicate)$5.00
Substitute Tax Forms (each)$5.00
VISA® Credit Card Payment Over the Phone (via VISA®)$5.00
Service Fee

ACH/Electronic Services

Service Fee
ACH Item Returned$25.00
Invalid Electronic Transaction$5.00
Stop Payment (ACH Item)$25.00
Stop Payment (Bill Pay)$25.00
Stop Payment (Money Order)$25.00
Stop Payment (Personal Check) $25.00
Wire – Incoming ($0.00 to $5,000.00)$5.00
Wire – Incoming ($5,000.01 or greater)$10.00
Wire – Outgoing Domestic ($0.00 to $5,000.00)$10.00
Wire – Outgoing Domestic ($5,000.01 or greater)$20.00
Wire – Outgoing International ($0.00 to $5,000.00)$20.00
Wire – Outgoing International ($5,000.01 or greater)$40.00

Non-Sufficient Funds (NSF)

Service Fee
Business Share Draft NSF Returned Item Fee$25.00
Deposit Item Returned (per item)$25.00
NSF (insufficient funds – Share Draft ACH)$25.00
NSF Notification (per item) $10.00
Overdraft Transfer$10.00
Returned Loan Payment$25.00

VISA® Credit and Debit Card

Service Fee
Plastic card rush fee$35.00
Lost plastic card$10.00
International ATM Transaction Fee – Debit
(per transaction)
Visa International Service Assessment – Debit1%

Safe Deposit Box – Annual Fees

3″ x 5″ x 24″$45.00
5″ x 5″ x 24″$50.00
3″ x 10″ x 24″$55.00
5″ x 10″ x 24″$75.00
10″ x 10″ x 24″$125.00
Safe Deposit Drilling Fee$250.00
Safe Deposit Key Replacement$75.00

As of March 1, 2024. Subject to change without notice. Please contact UKRFCU for more details.