Fee Schedule

Effective Date March 31, 2015..The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Fees and Service Charges For All Accounts and Services:
Returned item fee (per item // unpaid items that are returned by the institution upon which drawn) $10.00
Account Reconciliation $10.00 per hour
Check Copy Fee $1.00 per check
CD of Check Images for Previous year $12.00 per check
Reopen Closed Account Fee
(if reopened within 12 months)
Statement Copy Fee (per statement/printout) $2.00 per copy
Check Request or Cashier’s Check Fee $1.00 per draft
Wire Transfer Fee – Incoming No charge
Wire Transfer Fee (Domestic) – Outgoing $15.00 per transfer
Wire Transfer Fee (International) – Outgoing $30.00 per transfer
Share Transfer Fee No charge
Regular Share Account Excessive Withdrawal Fee
(per withdrawal over 6 withdrawals per quarter)
Money Order Fee $1.00 per money order
Renew Checking Service Charge Fee (per month if account has direct deposit) $7.00
Renew Checking Service Charge Fee (per month if account does not have direct deposit) $10.00
Vinyl Zip Deposit Bags $3.00 (size 11 X 6)
$5.00 (size 12 X 8)$25 (Lock Bag)
Insufficient funds item fee (per item // unpaid items that are returned by us, Draft and EFT)* $30.00
*Overdraft Privilege Fee (per item // unpaid items that are returned by us, Draft and EFT)* $30.00
Check Printing Fee Price varies depending on style
Research Services Fee $10.00 per hour
Legal Process Tax Levies, Garnishments, etc. (per occurrence) Actual costs
Christmas Club Early Withdrawal Fee (per withdrawal if withdrawn before October 1) $10.00
Check Cashing Fee (per check cashed if member has less than $100.00 or uses no other IUFCU services) $5.00
Early Account Closure Fee
(for accounts closed within 90-days of opening)
Checking With Interest Service Charge Fee (per month if minimum balance has not been met, with direct deposit no charge) $4.00
Stop Payment Fee (Draft and EFT) $30.00 per request
Inactivity/Dormant Account Fee (per month after 12 months without activity) $5.00 per month
ACH Origination (reoccurring ACHs are charged 1 time) $5
Home Banking Fee (if inactive for 3 months) $5
Debit/Credit Card Payments $5
Maintenance Fee (if account has an invalid address) $5
MasterCard Credit Card
Annual Fee No Charge
Over Credit Limit Fee (per month) $25.00
Late Payment $30.00
Return Check $30.00
Cash Advance Fee
(Minimum $2.00)
2% of Advance
Automatic Teller Machine (ATM)
CU 24 ATM Withdrawal Fee No Charge
ATM Balance Inquiry
(after 2 free per month)
Replacement VISA Debit Card fee (per occurrence) $5.00
Sales Draft Copy $20.00
Out of Network ATM Withdrawal Fee $1.00
Transfer Fee $1.50
Replacement VISA Debit Card PIN fee (per occurrence) $5.00
Insufficient and Overdraft Fee* $30.00
Rush Fee for Replacement VISA Debit Card and/or PIN $50.00
Bill Pay Fee (if inactive for 60 days) $5.00
Safe Deposit Boxes
3 x 5 $15.00
5×5   $18.00
3 x 10 $22.00
5 x 10 $42.00
10 x 10 $62.00
Credit Union Membership
Membership Share $5.00 per value

*A fee will be imposed for overdrafts created by share drafts, ACH, Point-of-Sale, ATM withdrawals, in-person withdrawals, or by other electronic means.

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