ACU is a not-for-profit institution, but we
do have to maintain the services we
provide. Fees help us to do that. As such,
we reserve the right to charge what you
see here. However, we will also help you
avoid paying as much as we can.
Much of what you see actually cost us
much more than we charge. In these
cases, we are simply asking that you help
us offset the total cost. In other instances,
the fees are to help avoid account abuse,
for general services or for when the credit
union provides account management or
assistance.
Our Communication Center prides itself
on helping people avoid paying
unnecessary items. If you have questions
or want advice, please let us know! We’ll
do what we can to help.
For a quicker, printable reference, you can also tap here.
| Deposit/ Checking Accounts |
Fee |
Par Value of 1 Share  |
$5 |
| Membership Closure First 90 Days |
$50 |
| Interest-Bearing Checking |
$10 (Waived if the balance remains above $500) |
| Overdraft Transfers from Savings |
$2 per transfer |
| Insufficient/ Uncollected Funds, Courtesy Pay, Overdrawn, Stop Payments |
$30 per item |
| Stop Payment- Series of Checks |
$60 per item |
| Returned Deposit Item |
$40 per item |
| Return Deposit To/ From Same Member |
$50 per item |
| Check Copy |
$5 per check |
| Statement Copy |
$3 per item |
| Paper Statement by Mail |
$9 per statement |
| Account Reconciliation and/ or Research |
$35 per hour |
| Money Market Account Excessive Withdrawal |
$10 per withdrawal (First 6 are free) |
| Check Cashing Fee |
3% with a $20 minimum- Only applies if S1 balance is below $100 |
| Foreign Item Collection/ Return or Incoming Collection Items |
$50 per item |
| Bill Pay Inactive |
$5/ month after 3 months of inactivity |
| Bill Pay Rush Delivery 2/3 Day |
$19.95 - $14.95 |
| Escheat Fee |
Lesser: 2% of balance or $25 |
| Organization Account Admin Fee |
$10/ Occurrence |
| Organization Account Excessive Items |
$15 (over 20 items) |
| Inactive Account Fee |
$10/ month after 12 months of no activity |
| Loans and Lending |
Fee |
| Loan Late Payment |
$15 |
| 2nd Mortgage/ HELOC Late Fee |
5% of payment due |
| Loan Subordination |
$250 |
| Consumer Loan Refinance |
$100 |
| Consumer Loan Modification |
$50 |
| 1st/ 2nd Mortgage Refinance Fee |
$250 |
| 1st Mortgage Modification |
$1000 |
| 2nd Mortgage/ HELOC Modification |
$75 |
| Lien Release Fee |
$25 |
| Duplicate Title/ Title Filing Fee |
$100 |
| Loan Document Redraw |
$25 |
| Loan Administration Fee |
$50 |
| In-House Auto Refinance |
$300 |
| Cards - All Credit and Debit Cards |
Fee |
|
Credit Card Late Payment
|
$15 |
| Card Transaction Dispute Processing Fee |
$30 per item |
| PIN Reissue |
$5 per request |
| Card Replacement |
$12 per request |
| 2 Day/ 3 Day Rush Order Card/ PIN |
$75/ $45 |
| ATM Deposit Correction |
$10 per correction |
| ATM Excessive Usage |
$4 (first five are free) |
| ATM Deposit Adjustment |
$5 |
| Convenience Services |
Fee |
| Credit Union Teller/ Cashier Check ($5 Min.) |
1 free per day/ $3 for each additional check |
| Outgoing Domestic Wire/ Outgoing International Wire |
$30/ $100 |
| Other |
Fee |
| Garnishment/ Levy Processing |
$50 |
| Return Mail/ Bad Address |
$10 per month |
| Cash Advance (Non-ACU Card) |
$10 per advance |
| Signature Guarantee |
$25 per document guaranteed |
| IRA Administration |
$25 annually |
| Identity Safe |
$1.96 per month |
| Notary Services |
First free/ $5 each following impression |
| FedEx Shipment |
$50 |
Courtesy Pay: Covering payments by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. The privilege for consumer share draft and money market accounts will be limited to a maximum negative balance of $2,000 (or less, depending on approved limit) per transaction account (share draft and money market accounts). The limit is determined per membership and it is possible to be connected/ liable for all accounts in which you are a primary or joint owner. Transaction types that are eligible for courtesy pay include and are limited to: ACH transactions, debit card transactions (point of sale and recurring), and share drafts (checks). You must bring your account balance to a positive balance within a rolling 30-day period for a minimum of 24 hours to remain eligible. The credit union, at is sole discretion, can cancel this protection, and cease paying overdrafts at any time without prior notice of reason or cause. Approval is required before being allowed this service. The fees associated with the Courtesy Pay Program are outlined in the Fee Schedule. A fee will be assessed anytime the credit union elects to pay an item where there are not available funds, regardless of the dollar amount. Additionally, this is an "at-will" program. You may opt-out of coverage at any time by contacting the credit union and providing written instructions, if necessary. Of note, we offer several levels and various limits to this service (e.g. use for all transactions or just ACH/ check options). To discuss this service or help us customize it for your needs, please contact us.
Effective 12.1.25.
