Fees and Charges

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Effective 07/01/2012

Service Description New Previous
MEMBERSHIP FEES
Membership Fee One time, non refundable fee to maintain lifetime  membership $1.00 $1.00
Closed Account Fee Charged when a new account is closed within 90 days of opening $5.00 $5.00
Inactive Account Fee After no activity for one year fee is charged every six months $5.00 $5.00
TRANSACTION SERVICES
Stop Payment Fee for one check or check series or one ACH $28.00 $28.00
Check Copy   $5.00 $5.00
Certified Check   $10.00 $10.00
Returned Payment Fee Fee for dishonored check (including electronic returns) $28.00 $28.00
Returned Check Fee Fee for exceeding allowable number of drafts in a month per FRB Regulation D $28.00 $28.00
Returned Check Fee Fee for a dishonored item deposited to a member's account $28.00 $28.00
Member Privilege Fee Per Item Fee to Access Member Privilege $28.00 $28.00
TRANSFERS TO PAY CHECKS
Transfer Fee Transfers that are automatic or are initiated through CU AnyHour or Teleaction $0.00 $0.00
Call Center Transfer Transfers Initiated Through Call Center Staff $2.00 $2.00
COST OF PRINTED CHECKS
Check orders Custom Designs, Additional Boxes Varies Varies
GOLD SOURCE CHECKING
Minimum Balance Fee Fee imposed for balances below $2,000 minimum $15.00 $15.00
ATM Fees  Gold Source Accounts pay no CU fees $0.00 $0.00
SMART CERTIFICATES
90 days of dividends paid and accrued on the withdrawal for terms of 1 year or less
120 days of dividends paid and accrued on the withdrawal for terms of 1 year and up to and including  2 years
180 days of dividends paid and accrued on the withdrawal for terms of greater than 2 years and up to and including 3 years
360 days of dividends paid and accrued on the withdrawal for terms of greater than 3 years
ATM FEES
USSFCU ATMs  This includes Congressional FCU and Certain Network ATMs $0.00 $0.00
Non-USSFCU ATMs USSFCU fee - ATM operator fee may apply $1.00 $1.00
USSFCU ATMs - Non-USSFCU
Cards
Non-USSFCU, WPCFCU or appropriate network Cards at USSFCU Machines $3.00 $3.00
SERVICES
Check cashing non-member Cashing Member Check by Non-Member $10.00 $10.00
Reloadable cards Separate schedule Varies Varies
Money Orders Up to $1,000 - fee is per item $5.00 $5.00
Cashier's Check Payee is other than member $6.00 $6.00
Research Per hour or fraction $30.00 $30.00
Address Search Bad address fee - every 6 months $10.00 $10.00
Verification fee Deposits or Loans - per request $25.00 $25.00
Bond Redemption Fee Per Coupon $5.00 $5.00
Visa Draft Copy Copy of merchant draft $20.00 $20.00
Replacement VISA Card Replaced for reasons other than fraud $10.00 $10.00
PIN Reorder Fee to Order PIN - Free in Branch $10.00 $10.00
Statement Copy Request Per STATEMENT $5.00 $5.00
Expedited/Overnight Delivery Member request to have items send expedited or over night $30.00 $30.00
Pay by Credit Card Payment using a non-USSFCU card $0.00 $0.00
Fee for Late Payment by Phone Electronic payment using non-USSFCU account $7.00 $7.00
FOREIGN SERVICE/WIRE TRANSFERS/OTHER
Domestic Wire $25.00 $25.00
International Wire Outgoing in Foreign Currency $30.00 $30.00
International Wire Outgoing in US Dollars $50.00 $50.00
Wire Incoming All Incoming $10.00 $10.00
Foreign Check Deposit Canada $20.00 $20.00
Foreign Check Deposit Other than Canada $40.00 $40.00
Foreign Currency Foreign Currency Varies Varies
Foreign Drafts Per item $20.00 $20.00
BILL PAY
Bill Pay FREE WITH E-STATEMENTS $5.00 $5.00
LENDING SERVICES
Skip a Pay fee CU AnyHour+ $25.00 $25.00
Skip a Pay fee In Branch/Phone $35.00 $35.00
NEW SERVICES 2012
Annual Fee for Personal Financial Manager and Account Aggregation   $24.00 N/A
Per Item Fee for Bank to Bank (ACH) Transfer   $1.00 N/A

 

Transaction Limits

 

 
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