Fee Schedule as of December 19, 2023
|
Savings Account Fees |
This account is NOT eligible for a debit card |
|
Minimum to open a Savings Account |
$5.00 |
| Reopen Previous Account Fee | $3.00 |
| Excessive W/D Fee (6 per month) | $5.00 |
| Checking Account Fees | This account is eligible for a debit card |
| Minimum to open a basic Checking Account | $50.00 |
| Monthly Service Fee | $6.00 - *Waived with Online Banking, 3 debit card transactions/month, and E-statements |
| Online Banking Services | |
| Corillian Online Banking | Free |
| Card Valet | Free |
| Online Bill Pay Services | Free |
| Optional Bill Pay Services: | |
| Bill Pay Same Day Rush Payment (ACH) | $9.95 |
| Bill Pay Overnight Check (Physical Check) | $14.95 |
| Transfer Now Services: | |
| External Account Transfer into WTCU (inbound) | Free |
| External Account Transfer out of WTCU (outbound): | |
| Standard 3-Day Transfer | $9.95 |
| Next Day Transfer | $14.95 |
| Zelle® Online Personal Payments: | |
| Zelle® Send or Request - Within minutes | Free - *subject to daily limits www.zellepay.com |
| Zelle® Send or Request - Next Day or 3-day | Free - *subject to daily limits www.zellepay.com |
| Business/DBA Account Fees | This account is eligible for a debit card |
| Minimum to open Business/DBA Account | $100.00 |
| One Time Fee to Open | $25.00 |
| Monthly Service Fee (suffix 77) | $10.00 |
| Checking/Debit Non Sufficient Fund Fees | |
| Stop Payment Fee (per item) | $30.00 |
| Courtesy Pay (per item) | $30.00 |
| Overdraft Protection (auto transfer from savings account) | Free - *If its an ACH item, then a $5.00 fee applies |
| NSF (Manual Transfer by CU) | $5.00 |
| Debit Card Replacement Fee | $20.00 |
| Instant Issue | $25.00 |
| Debit Card 3 day Fee | $80.00 |
| ATM W/D Fee | $1.00 |
| ATM Inquiry Fee | $1.00 |
| Misc. Service Fees (applicable to all accounts) | |
| Close Account (within 90 days after opening) | $10.00 |
| Account Reconciliation Fee | $10.00/hr |
| Account Research Fee | $10.00/hr |
| Coin Activity Fee (Over $50.00 in coin) | $5.00 or 1% - whichever is higher |
| Deposit Item Return Fee (Each) | $35.00 |
| Statement Copy Fee | $10.00 - Fee is for 1st page, $1.00 additional pages. *Age 65+ the service is free. |
| Online Statements | Free |
| Verification of Deposit Documentation Fee | $2.00/ea. |
| Account History Fee | $3.00 - fee is for 1st page, $1.00 additional pages |
| Fax Fee | $2.00 - fee is for 1st page, $1.00 additional pages |
| Wire Transfer Fee (outgoing) | $20.00 - over 50k, $20.00 |
| Returned Mail/Bad Address Fee ( after 1st) | $5.00 |
| Items sent for Collections | $15.00 |
| Teller Check Fee (no checking) | $6.00 |
| Teller Check Fee (with checking) | $2.00 - 1st 3 are free |
| Visa Gift Card Purchase Fee | $3.00/card |
| Password Reset fee (allowed 1 free/month) | $1.00/reset |
| Inactive Account Fee | $5.00 |
| Processing Fee for Levy, Garnishment, or Notice of Freeze | $30.00 |
| ACH Origination Return Fee | $30.00 - includes TransferNow services |
| MasterCard Replacement | $15.00 |
| Home Origination Fee | $150.00 |
| Safe Deposit Box Fees (52nd only) | |
| Annual Rental Fees *(Key Deposit) | $25.00 |
| 3×5 | $15.00 |
| 3×10 | $30.00 |
| 5×10 | $45.00 |
| Drilling Fee: (Actual Fee by Locksmith) | TBD |
| *free to senior citizens |
