Fee Schedule
As of July 1, 2018
| $2.00/page | Account history printout |
| $15.00/hour | Account research/reconciliation by WCU employee |
| $5.00/month | 1Balance Violation Fee (Savings account balance below $25 minimum required) |
| $20.00/check | Bill Pay check copy fee |
| $20.00 | CARFAX fee |
| $2.00 each | Cashiers check fee |
| 3% check amount < $100 5% check amount > $100 |
Check cashing fee (no compensating balance/no loans/non-active account) |
| No charge | Check copies fee (thru WCU Homebanking) |
| $5.00 each | Check copies fee (thru WCU employee) |
| $10.00 | Christmas club early withdrawal fee (before Nov. 1st, after Jan. 1st)(2nd withdrawal closes club account) |
| $20.00 each | Debit card replacement fee |
| $1.50 | Debit card balance inquiry fee & withdrawal fee (at non-WCU ATM & foreign ATMs) |
| $10.00/year | 2Dormant Account Fee – Savings account only (after 12 months no member performed activity *) |
| $25.00 | Escheatment fee (abandonded accounts) |
| $20.00 | Express/overnight mail delivery fee |
| $420.00 | GAP Fee ( EFF 07/01/2018) |
| Greater of $10 or 5% of amount of scheduled payment, not to exceed $100.00 |
Late fee of delinquent loans |
| $25.00 | Levy fee (court, garnishments, IRS, or tax) |
| $2.00 | Loan payment fee – only for payment made over the phone with debit/credit card (when card is not swiped) |
| $25.00 | Membership share (minimum balance required for credit union membership) |
| $10.00 | Membership closing (closing share account within first 6 months of membership) |
| $25.00 | Membership reinstatement fee (share account) |
| $25.00 | 3Member loan “Re-application” fee |
| $10.00 | Non-member loan application fee |
| $35.00 each | NSF charge (return item fee due to non sufficient funds on draft/ACH/etc.) |
| $35.00 each | 4Overdraft fee (standard/extended overdraft privilege program – JMFA) |
| $35.00 each | 5REG-D transfer charge (6 REG-D transactions per month, $35 charge per occurrence thereafter) |
| $150.00 | Refinance fee – unless borrowing $1500.00 or more of the loan amount |
| $25.00 each | Remove a joint owner fee (1st request free, subsequent requests within 6 months per each request) |
| $15.00 each | Returned items deposited fee |
| $10.00 each | Returned mail fee (due to bad address/undeliverable address) |
| $2.00 per occurrence | Share/savings “Excessive Withdrawal Fee” (free 1st 3 times/month & $2.00 per occurrence thereafter per month) |
| $5.00/month | Statement copy fee |
| $30.00/item | Stop payment of draft/ACH fee (No stop payment available for debit card purchases) |
| $15.00 | Title processing fee |
| $20.00 | Wire transfer fee – incoming or outgoing (only within the U.S.) |
| $150.00 | Lost safe deposit box key drilling fee |
| $20.00 annual | 3 x 5 Safety deposit box rent |
| $35.00 annual | 3 x 10 Safety deposit box rent |
| $50.00 annual | 5 x 10 Safety deposit box rental |
| $75.00 annual | 10 x 10 Safety deposit box rental |
1Balance Violation – Any transaction which causes your share/savings account to go below the $25 required minimum balance, your share/savings account will be charged a Balance Violation Fee of $5.00 per month until the share/savings balance is brought up to the $25 minimum required.
2Dormant Account Fee (Savings account only) – After 12 months with no member performed activity on your savings account and undeliverable mail/statement, you will be charged a dormant account fee of $10 per year until there is member performed activity on the account. Fee does not apply to accounts with a balance over 100.01 or if primary owner/member is under 19 years of age. *Dividends paid by WCU are not considered “member activity”. *Checking accounts and debit cards will be closed after a period of 12 months of inactivity, with remaining funds transferred to savings.
3Member Loan “Re-application” Fee – If you have a loan turned down by WCU, and you re-apply within a 6 month time period, you will be charged a $25 “re-application” fee at the time of application. If your loan is approved, the application fee will be returned.
4Overdraft Fee (Standard/extended overdraft privilege program – JMFA) – Overdrafts created by checks, in-person withdrawals, ATM withdrawals, debit card (recurring debit card payments and everyday debit card purchases), online bill pay transactions, ACH (auto debits). Please review our EFT/MAA/Funds Availability/Truth in Savings disclosures for more information.
5REG-D/Overdraft Transfer Fee – For transfers from one WCU share/savings account/suffix to another WCU account/suffix, or to cover non-sufficient funds, or external transfers to a 3rd party, WCU allows six (6) free transfers per interest bearing account each calendar month. After this, you will be charged a REG-D Overdraft Transfer Fee of $35 per transfer.
*Checking accounts with a negative balance for over 45 days will be closed. All available funds will be transferred from the share account and applied to the negative draft balance then both share/savings accounts will be closed. Any remaining negative amount will be considered as “charged off” and reported to ChexSystems until paid in full by responsible party.