Transactional Fees & Charges

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, fee is 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
Certified Check	N/A	$10.00
Check Copy	Free on CU AnyHour+	$5.00
Member Privilege Fee	Per item fee to access Member Privilege	$28.00
Returned Check Fee	Fee for exceeding allowable number of drafts in a month per FRB Regulation D	$28.00
Returned Deposit Item Fee	Fee for a dishonored item deposited to a member's account	$28.00
Returned Payment Fee	Fee for dishonored check (including electronic returns)	$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	Free

Cost of Printed Checks

Service	Description	Fee
Check Orders	Custom designs, additional boxes (standard USSFCU checks - 1 box free per year)	Varies

Gold Source Checking

Service	Description	Fee
ATM Fees	Gold Source Accounts pay no CU fees	Free
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 - ATM operator fee may apply	$1.00
USSFCU ATMs	This includes Congressional FCU and associational network ATMs	Free
Non-USSFCU Cards at USSFCU ATMs	N/A	$3.00

Services

Service	Description	Fee
Address Search	Bad address fee - every 6 months	$10.00
Bond Redemption Fee	Per coupon	$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	$5.00

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