ACU (Possible) Fees

We reserve the right to charge these fees, but more importantly we want you to understand why we have most of the items below. ACU is the most recognized credit union in Colorado, and we are a not-for-profit, but we still have to maintain the services we provide and fees help us to do that. Many of the below fees actually cost us, on an individual basis, much more than we charge you. In these cases, we are only asking that you help us offset the total cost. In other cases, the fees are there to help avoid account abuse which saves our membership as a whole. Below is everything that you might run into. For unusual items, we try to explain further, but be assured that if we can get around these fees, we will certainly try!

Account Fees

Deposit/ Checking Accounts
Fee
Par Value of 1 Share    
$5
Membership Fee    
Free
Membership Closure First 90 Days
$50
Checking
Free
Interest-Bearing Checking
Free if you maintain an average balance stays above $500, $10/ month if not.
Inactive Account    
$10 per month after one year of inactivity.
Overdraft Transfers From Savings    
$1 per transfer
Insufficient Funds (NSF)
$32 per item
Uncollected Funds
$32 per item
Courtesy Pay
$32 per item
Overdrawn Fee
$32 per item
Stop Payment
$32 per item
Stop Payment- Series of Checks
$64 per item
Reopen a Closed Membership
$50 per occurrence
Returned Deposit Item
$40 per item
Return Deposit To/ From Same Member
$50 per item
Check Copy     
$5 per check
Statement Copy     
$5 per item
Paper Statement by Mail    
$5 per statement
Online Statement
Free
Account Reconciliation
$30 per hour
Account Research
$30 per hour
Box of Checks
Prices vary
Holiday Account Early Withdrawal
$25 per withdrawal
Money Market Account Excessive Withdrawal     
$10 per withdrawal (First 6 are free)
Third Party Check Cashing
$20 per check
Check Cashing Fee
3% with a $20 minimum- Only applies if S1 balance is below $100
Foreign Item Collection
$50 per item
Foreign Item Return Fee
$50 per item- plus foreign bank fees
Incoming Collection Item
$50 per item
AcUtransfer Incoming (Account to Account)
Free
AcUtransfer Outgoing (Account to Account)
$1 per item
AcUtransfer Incoming (Personal Payment)
$1 per item
AcUtransfer Outgoing (Personal Payment)
$1 per item
Bill Pay Inactive    
$5/ month after 1 month of inactivity

Card Fees

Cards- All Credit and Debit Cards
Fee
Credit Card Late Payment

$15
First Debit/ Credit Card Issue
Free
Card Transaction Dispute Processing Fee
$30 per item
PIN Reissue
$5 per request
Card Replacement
$10 per request
3 Day Rush Order Card/ PIN
$45 for each card &/or PIN request
2 Day Rush Order Card/ PIN
$75 per request
ATM Deposit Correction
$10 per correction
ATM Empty Envelope Deposit
$50
ATM Excessive Usage    
$4 (first five are free)
ATM Deposit Adjustment
$2/ $6
Copy of Sales Draft     
$25 per occurrence

Convenience Fees

Convenience Services
Fee
Gift Cards

$5 per card
Money Orders
$5 per item
Exchange of ACU Member Check for ACU Certified Check
$20 per request
Credit Union Teller/ Cashier Check ($5 Min.)
1 free per day/ $3 for each additional check
Outgoing Domestic Wire
$35 per wire
Outgoing International Wire
$75 per wire
Western Union
$35 per request

Loan Fees

Loans
Loan Late Payment
$15
Loan Payment by Credit Card (AcUtransfer Free!)
$7 per payment
2nd Mortgage Late Fee
5% of payment due
HELOC Late Fee
5% of payment due
Loan Subordination
$250
Consumer Loan Refinance
$100
Consumer Loan Modification
$50
1st Mortgage Refinance Fee
$250
1st Mortgage Modification
$1000
2nd Mortgage Refinance
$250
2nd Mortgage Modification
$50
HELOC Modification
$50
Appraisal
At Cost
Duplicate Title/ Lien Release/ Title Filing
$45
Mortgage Deed Release
$41
Mortgage Deed Filing
$51
Value Check
$50
Flood Certificate
$35
Ownership and Encumbrance (O & E)
$50
Tax Certificate
$69
Mortgage Guarantee
At Cost
Full Title
At Cost
AcUtransfer Payments and Transfers
Free when making ACU payments
Loan Maintenance/ Coupons   
$30
Loan Document Redraw
$25
2nd Mortgage Processing  
$100
Loan Administration Fee
$50
In-House Auto Refinance  
$300

Other Fees

Other
Fee
On-us Check Cashing (Max $500/ Check)
$20
Garnishment/ Levy Processing
$50
Return Mail/ Bad Address     
$10 per item/ occurrence
Cash Advance (Non-ACU Card)
$10 per advance
Signature Guarantee
$25 per document guaranteed
IRA Administration    
$25 annually
Fax/ Photocopy
$1 per page
Verification of Deposit/ Verification of Mortgage Fee
$10 per item
ACU Identity Safe (Optional/ Default Benefit)    
$1.96 per month
Notary Services
First free/ $10 each following impression
Compliance Review    
$100

Effective 08/01/2016

 
NCUA