Fees & Service Charges

Effective: 25 February 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