Personal Accounts Fee Schedule

Rewards Checking monthly fee:  none

Balance Backup¹ Options

• Transfer: Overdraft Transfer Fee from any account or line of credit² ($100 increments at the end of the day, 1 fee per account, per business day): $5 each 

• Overdraw: Paid Overdraft Fee (Basic Reserve) for checks and ACH items³ (1 fee per account, per business day): $5 each

• Decline: Non-sufficient funds (NSF) fee for any returned and unpaid checks or Automated Clearing House (ACH) debits or any declined debit card purchases: none

Checking-Related Fees

• Paper Statement Fee per envelope: $2

• Stop payment (check or ACH items) (Stop & Misc charge): $29 each

• Personalized printed checks: Varies

Debit Card-Related Fees

• Debit card ATM transactions and purchases: Free, unlimited⁴

   Card replacements

   • Damaged, stolen or expired card: Free

   • For more than one lost card per year (Replacement Debit Fee): $5 each

   • Rush card and/or PIN order: Varies

Specialty Checking

• Launch Account for teens and Trust or Estate Checking monthly fee: none

• Encore Account monthly fee: $5 with Direct or Mobile Deposit,⁵ otherwise $10

• Paper Statement Fee per envelope: $2

Limitations on Encore and Launch Accounts

• Balance Backup overdraft services options are not available (all set to Decline)

• No checks written or cleared, no ATM deposits or Web Branch outgoing external money transfers

Savings Accounts

• No monthly fee with any active loan or other deposit account, or with a minimum balance of $1,000, or on accounts held by primary owners under age 18; or with a safe deposit box lease; otherwise $5

• Non-sufficient funds (NSF) fee for returned Automated Clearing House (ACH) debits: none

• Stop payment on ACH withdrawals (Stop & misc charge): $29 each

Money Market Accounts

• Investor’s Indexed monthly fee when balance falls below $10,000 (Service Fee): $15

Miscellaneous Services

• Cashier’s check over $1,000 or with Rewards Checking when monthly activity thresholds⁶ are met is free; otherwise $4 each

• International check exchange fees: Varies

• International draft: $17 each

• Money order with Rewards Checking when monthly activity thresholds⁶ are met (up to $1,000) is free; otherwise $2 each

• Non-Member Check Cashing Fee: $5 per check

• Returned Mail Fee: $10

• Safe Deposit Boxes:

   Safe deposit boxes and their contents are not insured by NCUA, UW Credit Union or any agency

   •  3x5x22”: $35/year

   • 3x10x22” or 5x5x22”: $60/year

   • 5x10x22”: $85/year

   • 10x10x22”: $110/year

   • Drill and rekey deposit box (min $150): Varies

   • Lost key: $10

Money Transfers

• Web Branch, Zelle,® & standard incoming external transfers: Free

• Web Branch Standard outgoing external transfers: $2

• Web Branch Express incoming and outgoing external transfers: $10

    Note: Fees from other financial institutions may apply to the services listed below.

• Incoming wires: $15

• Outgoing domestic wires: $20

• Outgoing international wires: Varies

Digital and Online Banking through Web Branch or our App

• Mobile Banking: Free⁷

• Mobile Deposit: Free⁷

• Text Banking: Free⁷

• Web Pay: Free

• Money Management Tools: Free