Relationship Accounts
Fee Schedule as of 08/01/2005
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USU Charter Credit Union has a philosophical commitment to provide cooperative, not-for-profit financial service at the lowest possible cost. The Credit Union also strives to reward active members with even better rates and terms, so it pays to use your USU Charter Credit Union for all your financial needs.
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| USUCCU Service |
Platinum
|
Gold
|
Silver
|
| Aggregate Average Monthly Deposit Balances |
$15,000+
|
$3,000.00 - $14,999.99
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$25 - $2,999.99
|
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Or
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| Aggregate Average Monthly Loan Balances |
$15,000+
|
$5,000.00 - $14,999.99
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$0 - $4,999.99
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| USUCCU Service |
Platinum
|
Gold
|
Silver
|
| Telephone Teller |
Free
|
Free
|
Free
|
| Web Teller |
Free
|
Free
|
Free
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| Web Bill Payer |
Free
|
Free
|
Free
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| Notary Service |
Free
|
Free
|
Free
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| Signature Guarantee |
Free
|
Free
|
Free
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| USUCCU and Co-Op Owned ATMs |
Free
|
Free
|
Free
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| Annual Fee on VISA Credit Cards |
$0
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$0
|
$0
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| Non Co-Op ATMs (USUCCU assessed fee) |
Free
|
Free
|
$2
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| Stop Payment (Note: free to all members via Telephone Teller and Web Teller.) |
Free
|
$10
|
$15
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| Cashiers Checks |
Free
|
Free
|
$5
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| Statement Copy (Note: recent transaction history is free via Telephone Teller or Web Teller.) |
Free
|
Free
|
$5
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| Fax Service |
Free
|
$5
|
$10
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| Check Copy (Note: free access to check copies from the previous 12 months via Web Teller.) |
Free
|
$5
|
$5
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| Visa Sales Draft Copy |
Free
|
$5
|
$10
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| Plastic Card Replacement (Note: free to all members if card is expiring.) |
Free
|
Free
|
$5
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| Wire Transfer (out) |
Free
|
$10
|
$15
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| Check Cashing (accounts without USUCCU checking) |
Free
|
Free
|
$5
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| Traveler’s Cheques (% of total sale) |
Free
|
.5%
|
1%
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Associate Assisted Savings Transactions allowed with no fee
($2 per transaction that exceeds number allowed). |
3
|
3
|
2
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| Discount on Safe Deposit Boxes (per year) |
$20
|
$10
|
$0
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| Research (per hour) - 1 hr minimum |
$10
|
$15
|
$20
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| Coin Wrapping (per hour) |
$5
|
$10
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$20
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| Return (Non-sufficient funds) Checks |
$25
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$25
|
$25
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| Return (Non-sufficient funds) EFT/ACH |
$25
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$25
|
$25
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| CourtesyPay-(Non-sufficient funds) Check Covered |
$25
|
$25
|
$25
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| VISA Overlimit |
$25
|
$25
|
$25
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| Chargeback |
$25
|
$25
|
$25
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| Returned Mail (per month-due to incorrect address) |
$2
|
$2
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$2
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| Membership Account Closure (within the first 90 days of opening) |
$15
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$15
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$15
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| Dormant Account (per month) |
$5
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$5
|
$5
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| Checking Negative Balance (charged each day that the checking account remains negative after a 15-day grace period.) |
$5
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$5
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$5
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| Savings Accounts |
| A minimum of $25 must be maintained at all times in a Membership Share Account. This account earns dividends as determined by the Credit Union's Board of Directors and belongs to the member at all times. |
- Liquid Asset Accounts have a $2 fee for each withdrawal over 3 per month
- Automatic transfers from Savings to cover overdrafts are in increments of $100
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| Ultimate Checking |
| USUCCU Service |
Platinum
|
Gold
|
Silver
|
| Monthly Fee |
Free
|
Free
|
$6*
|
| Cancelled Check Copies returned in monthly statement |
Free
|
$2
|
$5
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| Overdraft Protection (ask for details) |
Free
|
Free
|
Free
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| Check Order Discount ($ per year) |
$24
|
$0 **
|
$0**
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| Elite Checking |
| USUCCU Service |
Platinum
|
Gold
|
Silver
|
| Monthly Fee |
Free
|
Free
|
Free
|
| Check Order Discount ($ per year) |
$24
|
$0 **
|
$0 **
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| Premium Checking (existing accounts only – no new Premium accounts are being opened) |
| USUCCU Service |
Platinum
|
Gold
|
Silver
|
| Monthly Fee (if balance falls below $100) |
Free
|
Free
|
$6*
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| Cancelled Check Copies returned in monthly statement |
Free
|
$ 2
|
$5
|
| Overdraft Protection (ask for details) |
Free
|
Free
|
Free
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| Check Order Discount ($ per year) |
$24
|
$ 0 **
|
$ 0 **
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| Choice Checking (existing accounts only - no new Choice Accounts are being opened) |
| USUCCU Service |
Platinum
|
Gold
|
Silver
|
| Monthly Fee |
Free
|
Free
|
Free
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| Associate Assisted Transaction |
Free
|
Free
|
$3
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| Overdraft Protection (ask for details) |
Free
|
Free
|
Free
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| Check Order Discount ($ per year) |
$24
|
$ 0 **
|
$ 0 **
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| Money Market Account ($500 minimum balance to avoid a monthly service charge of $10.) |
| USUCCU Service |
Platinum
|
Gold
|
Silver
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| First 6 checks or withdrawals per month ($2 each thereafter) |
Free
|
Free
|
Free
|
* Fee waived for 5 years after a Member opens a USUCCU 1st Mortgage loan not retained by the Credit Union.
** Members who are at least 50 years old receive a Check Order Discount of $12 per year that cannot be combined with any other Check Order Discounts.
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