Schedule of Fees and Charges

Effective as of September 1, 2019

Free Services

Service Fee
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

Share Accounts

Service Fee
Account closed within 90 days$25.00
Annual Inactivity Fee (per year)$25.00
Copy of Cleared Check (per item after 1)$5.00
Credit Union Check (in name of 3rd party)$5.00
Deposited Checks (over 250 per month/per item)$0.20
Dormant Account (per year)$25.00
Dormant Checks/Money Orders (per item) $25.00
Excessive Transfers – Reg D (per item after 6)$10.00
Membership Fee$10.00
Negative Balance Fee (per month)$10.00

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


Service Fee
Account Ownership TIN & EIN Exception Processing$100.00
Bad Address Fee (per month)$5.00
Copy Fee (per page)$0.50
Money Order $1.00
Notary Public Service – Non Members$5.00
Notice of Levies / Writs of Execution, Citation, Subpoena, Garnishment, Summons (plus all incurred costs)$100.00
Personal Check PrintingVaries
Requested Verification Letter$10.00
Research (per hour)$25.00
Statement Fee (duplicate)$5.00
Substitute 1098$5.00
Substitute 1099$5.00
VISA® Credit Card Payment Over the Phone (via VISA®)$5.00

VISA® Debit Card

Service Fee
Debit Card Replacement (3 day delivery)$25.00
Debit Card Replacement (if lost)$10.00
International ATM Transaction Fee for Debit (per transaction)1%
VISA® International Service Assessment1%

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 September 1, 2019. Subject to change without notice. Please contact UKRFCU for more details.