Transactional Fees & Charges
Effective 01/01/2020
Membership Fees
| Service |
Description |
Fee |
| Membership Fee |
One time, non-refundable fee to maintain lifetime membership |
$1.00 |
| Closed Account Fee |
Charged when a new account is closed within 90 days of opening |
$5.00 |
| Inactive Account Fee |
After no member initiated activity for one year, feeis charged every six months* |
$5.00 |
* Automated postings to an account are not considered activity. The account activity must be initiated by the member in order to not become subject to the fee. Share Certificates (CDs) and IRA Share accounts are not specifically subject to the inactivity fee. However, if there are additional accounts associated with a CD and/or an IRA Share (i.e. primary share or savings, checking, money markets, etc.), these account types would subject to the inactivity fee. If the primary share account is at the minimum required balance ($5 per member listed on the account), the fee would not be applied.
Transaction Services
| Service |
Description |
Fee |
| Check Copy |
|
$5.00 |
| Member Privilege Fee |
Per item fee to access Member Privilege Overdraft Protection |
$28.00 |
| Excessive Transactions Fee |
Fee for exceeding allowable number of transactions per month per Reg. D for savings and money market shares. |
$28.00 |
| Returned Check Fee |
Fee for dishonored items deposited to a member's account. |
$28.00 |
| Returned Payment Fee/NSF/Overdraft |
Fee for a dishonored check, including electronic returns; Non-sufficient funds; Overdrafts |
$28.00 |
| Stop Payment |
Fee for one check or check series or one ACH |
$28.00 |
Transfers to Pay Checks
| Service |
Description |
Fee |
| Call Center Transfer |
Transfers initiated through Call Center staff |
$2.00 |
| Transfer Fee |
Transfers that are automatic or are initiated through CU AnyHour or Teleaction |
No Charge |
Gold Source Checking
| Service |
Description |
Fee |
| ATM Fees |
Gold Source Accounts pay NO USSFCU ATM fees |
No Charge |
| Minimum Balance Fee |
Fee imposed for balances below $2,000 minimum |
$15.00 |
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 greater than 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
| Service |
Description |
Fee |
| Non-USSFCU ATMs |
USSFCU fee; Other ATM operator fee may apply |
$1.00 |
| USSFCU ATMs |
This includes Congressional FCU and certain network ATMs |
No Charge |
| USSFCU ATMs-Non-USSFCU Cards |
Non-USSFCU, WPCFCUor appropriate network cards at USSFCU ATMs |
$3.00 |
Services
| Service |
Description |
Fee |
| Address Search |
Bad address fee - every 6 months |
$10.00 |
| U.S. Savings Bond Redemption Fee |
Per Savings Bond |
$5.00 |
| Cashier's Check |
Payee is other than member |
$6.00 |
| Check Cashing Non-Member |
Cashing member check by non-member |
$10.00 |
| Expedited/Overnight Delivery |
Member request to have items expedited or sent overnight |
$30.00 |
| Pay by Debit Card |
Payment using a non-USSFCU card |
$10.00 |
| PIN Reorder |
Fee to order PIN - free in branch |
$10.00 |
| Reloadable Cards |
See separate schedule |
Varies |
| Replacement VISA® Card |
Replaced for reasons other than fraud |
$10.00 |
| Research |
Per hour or fraction |
$30.00 |
| Statement Reprint Request |
Per statement |
$5.00 |
| Verification Fee |
Deposits or Loans - per request |
$25.00 |
| Visa® Draft Copy |
Copy of merchant draft |
$20.00 |
Foreign Service/Wire Transfers/Other
| Service |
Description |
Fee |
| Domestic Wire |
N/A |
$25.00 |
| Foreign Check Deposit |
Canada |
$20.00 |
| Foreign Check Deposit |
Other than Canada |
$40.00 |
| Foreign Currency |
Foreign currency |
Varies |
| Incoming Wire |
All incoming |
$10.00 |
Web Bill Pay
| Service |
Description |
Fee |
| Web Bill Pay |
Free with eNotices |
No Charge |
Skip A Pay Services
| Service |
Description |
Fee |
| Skip a Pay Fee |
CU AnyHour |
$25.00 |
| Skip a Pay Fee |
In Branch/Phone |
$35.00 |
Homebanking
| Service |
Description |
Fee |
| Annual Fee for Personal Financial Manager and Account Aggregation |
N/A |
No charge |
| Per Item Fee for Bank to Bank (ACH) Transfer |
N/A |
No charge |
Download Fee Schedule (PDF)
Transaction Limits
