- Services
- Forms & Disclosures
- Service Charges
Service Charges
Each CU1 account holder agrees to the terms outlined in this Service Charge Disclosure and acknowledges that it is a part of their Member and Business Service Agreements.
Effective date: 2/24/25 and subject to change.
Here's a table displaying Credit Union 1 service charges and fees schedule for deposit accounts.
| Card Type | Charge | Description |
|---|---|---|
| Rush Orders | $30.00 per card |
For newly approved, lost or stolen cards |
| Plastic Card Replacement | $10.00 per card | One free replacement card each year |
| International Transaction Fee | up to 2% of transaction amount | This fee applies to any debit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States. |
| Charge | Description |
|---|---|
| $3.00 each |
|
| Type | Charge | Description |
|---|---|---|
| Bill Pay |
|
|
| Consumer Accounts | $4.95 monthly | |
| Business Accounts | $9.95 monthly | |
| Wires - Domestic | ||
| Bank to bank | $20.00 each |
| Description | Charge |
|---|---|
| 3x10 inch box | $55.00 annually |
| 10x10 inch box | $115.00 annually |
| Key Deposit | $5.00 |
| Lost key/box drilling | $125.00 each |
| Type | Charge | Description |
|---|---|---|
| Savings Account Fees | ||
| Premium Savings (0190-0199) | $3.00 monthly |
FEE WAIVED with a $50 minimum daily balance |
| IRA (all types combined) | $5.00 monthly |
FEE WAIVED with $100 balance(s) at the end of each month |
| Checking Account Fees | ||
| Free Checking (0760-0769) | FREE | — |
| Super Saver Checking (0780-0789) | $5.00 monthly | FEE WAIVED with $200 minimum daily balance |
| Premium Checking (0770-0779) | $5.00 monthly | FEE WAIVED with $1,000 minimum daily balance |
| Business Premium Checking (0810-0819) | $10.00 monthly | FEE WAIVED with $5,000 minimum daily balance |
| Business Basics Checking (0870-0879) | $10.00 monthly | FEE WAIVED with $2,500 minimum daily balance |
| Business Super Saver Checking (0880-0889) | $5.00 monthly | FEE WAIVED with $200 minimum daily balance |
| Check Orders | Variable |
|
| Early Withdrawals on Certificate Accounts | ||
| On terms of one year or less | 60 days of dividends | — |
| On terms of more than one year | 180 days of dividends | — |
| Inactive Membership Fee | $5.00 per month per account | WAIVED if you have an active loan or certificate |
| Overdraft Transfers | $5.00 per transfer |
WAIVED if transfer source is a Credit Union 1 credit card or line of credit. |
| Courtesy Pay |
$5.00 or less = $5.00 each $5.01-$10.00 = $10.00 each $10.01-$20.00 = $20.00 each $20.01 or more = $22.00 each |
Fee is based on the transaction amount |
| Overdraft/Overdrawn Fee | $22.00 each | — |
| Non Sufficient Funds | $22.00 each | A NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate charge. |
| Returned Item | ||
| Fee on item deposited into account and returned unpaid | $15.00 each | — |
| Fee on self to self item returned unpaid | $22.00 each | — |
| Returned Mail | $5.00 each | For mailing to a non-deliverable address |
| Returned Check Order | $5.00 per order | For mailing to a non-deliverable address |
| Stop Payment | $22.00 each | |
| Personal checks, preauthorized payments/deductions Bill Pay items, ACH or cashier’s checks. Personal checks only when requested via Online Access. | $10.00 each | |
| Temporary Checks | $5.00 |
|
| Type | Charge | Description |
|---|---|---|
| Check Collections | $15.00 |
Foreign or other items sent out for collection |
| Deposit Bag | $5.00 each | |
| Deposit/Loan Verification | $10.00 per request | Processing request from another financial institution |
| Garnishments & Levies | $75.00 | |
| General Document Copies | $2.00 per page | |
| Loan Convenience | $4.95 | Payments done over the phone or on our CU1 website with a debit or credit card, or through ACH |
| Loan Skip-a-Pay Fee | $30.00 | Interest continues to accrue on your loan during the skipped month |
| Membership Renewal | $10.00 | Applies to S1/S2 accounts reopened within 180 days of closure |
| Paper Statement | $2.00 | FREE if you have Super Saver, Premium, Business Basics or Business Premium Checking, a loan balance or an aggregate balance of $1000 |
| Research | $25.00 |
-
Card Type Charge Description Rush Orders $30.00 per card For newly approved, lost or stolen cards
Plastic Card Replacement $10.00 per card One free replacement card each year International Transaction Fee up to 2% of transaction amount This fee applies to any debit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States. -
Charge Description $3.00 each - FREE if you have Super Saver, Premium, Business Basics or Business Premium Spending
- FREE if payable to self
-
Type Charge Description Bill Pay - FREE for members with Consumer Super Saver or Premium Checking Accounts
Consumer Accounts $4.95 monthly Business Accounts $9.95 monthly Wires - Domestic Bank to bank $20.00 each -
Description Charge 3x10 inch box $55.00 annually 10x10 inch box $115.00 annually Key Deposit $5.00 Lost key/box drilling $125.00 each -
Type Charge Description Savings Account Fees Premium Savings (0190-0199) $3.00 monthly FEE WAIVED with a $50 minimum daily balance
IRA (all types combined) $5.00 monthly FEE WAIVED with $100 balance(s) at the end of each month
Checking Account Fees Free Checking (0760-0769) FREE — Super Saver Checking (0780-0789) $5.00 monthly FEE WAIVED with $200 minimum daily balance Premium Checking (0770-0779) $5.00 monthly FEE WAIVED with $1,000 minimum daily balance Business Premium Checking (0810-0819) $10.00 monthly FEE WAIVED with $5,000 minimum daily balance Business Basics Checking (0870-0879) $10.00 monthly FEE WAIVED with $2,500 minimum daily balance Business Super Saver Checking (0880-0889) $5.00 monthly FEE WAIVED with $200 minimum daily balance Check Orders Variable - Charge varies according to style and quantity
- Can be reordered in Online Access
Early Withdrawals on Certificate Accounts On terms of one year or less 60 days of dividends — On terms of more than one year 180 days of dividends — Inactive Membership Fee $5.00 per month per account WAIVED if you have an active loan or certificate Overdraft Transfers $5.00 per transfer WAIVED if transfer source is a Credit Union 1 credit card or line of credit.
Courtesy Pay $5.00 or less = $5.00 each
$5.01-$10.00 = $10.00 each
$10.01-$20.00 = $20.00 each
$20.01 or more = $22.00 eachFee is based on the transaction amount Overdraft/Overdrawn Fee $22.00 each — Non Sufficient Funds $22.00 each A NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate charge. Returned Item Fee on item deposited into account and returned unpaid $15.00 each — Fee on self to self item returned unpaid $22.00 each — Returned Mail $5.00 each For mailing to a non-deliverable address Returned Check Order $5.00 per order For mailing to a non-deliverable address Stop Payment $22.00 each Personal checks, preauthorized payments/deductions Bill Pay items, ACH or cashier’s checks. Personal checks only when requested via Online Access. $10.00 each Temporary Checks $5.00 - Packet of 12
- FREE when opening a new checking account
-
Type Charge Description Check Collections $15.00 Foreign or other items sent out for collection
Deposit Bag $5.00 each Deposit/Loan Verification $10.00 per request Processing request from another financial institution Garnishments & Levies $75.00 General Document Copies $2.00 per page Loan Convenience $4.95 Payments done over the phone or on our CU1 website with a debit or credit card, or through ACH Loan Skip-a-Pay Fee $30.00 Interest continues to accrue on your loan during the skipped month Membership Renewal $10.00 Applies to S1/S2 accounts reopened within 180 days of closure Paper Statement $2.00 FREE if you have Super Saver, Premium, Business Basics or Business Premium Checking, a loan balance or an aggregate balance of $1000 Research $25.00
