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Help & Guidance

Fees & Service Charges

Effective: 24 April 2024

Look for the star icon (☆) to indicate which fees are eligible for Member Loyalty Rebates.1

Check printing

Standard checks

 Check printing

No fee

Counter checks

 Check printing

$1.00 ☆

Additional charges for other styles

 Check printing

Varies by style ☆
Fees incurred  

Direct deposit

 Fees incurred

No fee

Photocopy of check

 Fees incurred

First six free; thereafter $3.00/copy ☆

Copy of statement of account
(more than 6 months old)

 Fees incurred

$2.00 ☆

Insufficient funds (NSF)2

 Fees incurred

$25.00

Returned deposit items

 Fees incurred

No fee

Stop payment of a check

 Fees incurred

$15.00 ☆

Savings Overdraft

 Fees incurred

$5.00 ☆

Canadian check processing fee

 Fees incurred

$10.00 ☆

Foreign check processing fee

 Fees incurred

$25.00 ☆

Savings account for organizations
(if balance falls below $25.00)

 Fees incurred

$5.00/​month

Paper statement fee3

 Fees incurred

$2.00/​month

Inactive account fee4

 Fees incurred

$5.00/month
Excessive transaction fee

First six transfers per month from a savings account5

 Excessive transaction fee

No fee

Over six transfers per month from a savings account5

 Excessive transaction fee

$5.00/transfer ☆

Maximum fee charged for excessive transfers in a day5

 Excessive transaction fee

$15.00/day ☆

Fees incurred  

Money order

 Fees incurred

$2.00 ☆

Official (bank) check

 Fees incurred

No fee

UNFCU ATMs in the US and all ATMs within the Co-op and Allpoint networks in the US6

Unlimited withdrawals and balance inquiries

 UNFCU ATMs in the US and all ATMs within the Co-op and Allpoint networks in the US6

No fee
Non-UNFCU ATMs that are not part of the Co-op and Allpoint networks

First 3 balance inquiries and 8 withdrawals per month per account7

 Non-UNFCU ATMs that are not part of the Co-op and Allpoint networks

No fee

Over 8 withdrawals per month per account within the US7

 Non-UNFCU ATMs that are not part of the Co-op and Allpoint networks

$1.00/withdrawal ☆

Over 8 withdrawals per month per account outside the US7

 Non-UNFCU ATMs that are not part of the Co-op and Allpoint networks

$3.00/withdrawal ☆

Over 3 balance inquiries per month per account within the US

 Non-UNFCU ATMs that are not part of the Co-op and Allpoint networks

$0.50/inquiry

Over 3 balance inquiries per month per account outside the US

 Non-UNFCU ATMs that are not part of the Co-op and Allpoint networks

$1.00/inquiry
Fees incurred  

Foreign transaction fee for non-USD cash withdrawals

 Fees incurred

1.00% ☆

Foreign transaction fee for USD cash withdrawals outside the US

 Fees incurred

1.00% ☆
UNFCU ATM fees in Nairobi

Cash withdrawals

 UNFCU ATM fees in Nairobi

$2.00 ☆

For a term of ​
For a term of

Under 1 year8

Up to 90-day dividend forfeiture
For a term of

1 year and over8

Up to 180-day dividend forfeiture

Fees incurred  

Incoming wire transfer

 Fees incurred

No fee
Outgoing wire transfers in USD

Wire transfer via Digital Banking within the US and its territories

 Outgoing wire transfers in USD

$15.00 ☆

Wire transfer via Digital Banking sent outside the US and its territories

 Outgoing wire transfers in USD

$30.00 ☆

In-branch/representative office initiated wire transfer sent within the US and its territories

 Outgoing wire transfers in USD

$35.00 ☆

In-branch/representative office initiated wire transfer sent outside the US and its territories

 Outgoing wire transfers in USD

$40.00 ☆
Outgoing wire transfers in non-USD

Wire transfer via Digital Banking

 Outgoing wire transfers in non-USD

1.00% of transfer amount (minimum fee: $5.00, maximum fee: $30.00) ☆

In-branch/representative office initiated wire transfer

 Outgoing wire transfers in non-USD

$35.00 ☆
ACH transfers

ACH transfer via Digital Banking

 ACH transfers

No fee

ACH return fee

 ACH transfers

$25.00

ACH stop payment

 ACH transfers

$15.00 ☆

In-branch/representative office initiated ACH transfer

 ACH transfers

$5.00 ☆
Fees incurred

Mobile money transfer via Digital Banking

 Fees incurred

$1.00–$4.009 ☆

Fees incurred  

Stop payment

 Fees incurred

$15.00 ☆

Fees incurred  

Notary public

 Fees incurred

No fee

Legal document processing fees
(i.e. levies, restraining notices, subpoenas, garnishments, et al.)

 Fees incurred

$25.00 ☆

Consular/balance letter

 Fees incurred

$5.00 ☆

Escheatment fee

 Fees incurred

$25.00

Fees incurred  

Per hour
($5.00 minimum charge plus all additional pass-through expenses)

 Fees incurred

$25.00 ☆

Document retrieval fee

 Fees incurred

$50.00 ☆

Fees incurred  

Express courier — US

 Fees incurred

$15.00 ☆

Express courier — outside US

 Fees incurred

$50.00+ ☆
(or as incurred by UNFCU)

Express courier — online foreign currency order (less than $1000)

 Fees incurred

$20.00
(shipping fee charged by foreign currency provider)

Express courier — online foreign currency order ($1000 or more)

 Fees incurred

No fee

Disclosures

Fees and service charges are in US dollars. Rates, fees, and charges are subject to change without prior notice.

  1. Fees exceeding the Member Loyalty Rebate you qualify for in a calendar month cannot be rebated in future months. Likewise, the Loyalty Rebate is not a credit and applies only to eligible fees incurred in a qualifying month. To qualify for a loyalty level, your accounts must be in good standing and meet all criteria for that level. UNFCU will determine your loyalty level at the end of each calendar month. Your rewards for that month will be credited to your checking account at the start of the following month. If you do not have a checking account, monthly rewards will be credited to your savings account. If you are in a country subject to US sanctions, view all account restrictions that may apply. UNFCU may change the rewards offered through its Member Loyalty Rewards program at any time. View the Member Loyalty Rewards program for more information.
  2. If there are insufficient funds in your account to cover the amount of a check you have written or payment you have scheduled, you will be charged an insufficient funds (NSF) fee.
  3. Applicable for Digital Banking users who have opted to receive paper statements.
  4. Fees are applied when an account has been inactive for two years. To keep your account active, sign in to Digital Banking, conduct a transaction, or complete this form (PDF).
  5. You can make six free transfers from your savings account each month. Additional transfers from your savings account will be processed, but may be subject to the excessive transaction fee. The transfers subject to the excessive transaction fee are:
    • Debit card purchases
    • Online bill payments, except when making a UNFCU loan payment
    • Account to account transfers using Digital Banking
    • Wire and mobile money transfers using Digital Banking
    • Transfer requests made by phone
  6. Fees may apply when using an ATM outside the United States.
  7. Pay no fees for your first 8 withdrawals per month at non-UNFCU ATMs outside the Co-op and Allpoint networks. This applies to members using their UNFCU debit card. The operators of these ATMs may impose their own additional fees. UNFCU may revise the number of ATM withdrawals that can be made without fees at any time.
  8. You may withdraw dividends accrued on your account each month, without incurring a penalty. Any additional withdrawals before the completion of the certificate's term will incur early withdrawal penalties. The penalties will be waived if:
    • Your share certificate has a term of 18 months or less, and
    • You use the money for a new home financed by UNFCU.

    This waiver applies to share certificates which have been open and funded for at least six days. For certificates closed within the first six days of funding, the early withdrawal penalty is seven days of simple dividends.

  9. Money can be transferred in the local currency of the countries where we offer this service. Countries, currencies, and carriers are subject to change at any time. Daily transfer amounts vary by country and mobile money carrier.