Stay Secure: Be cautious of text messages and phone calls claiming to be from UNFCU reporting fraud on your accounts. Contact us directly to verify.
Maintenance: On 13 October, Digital Banking, our membership application, and our online tax certification system will be unavailable from 07:00 to 17:00 New York time.

Fees & Service Charges

Effective: 10 October 2024

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)1

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 fee2

Fees incurred

$2.00/​month

Inactive account fee3

Fees incurred

$5.00/month

Excessive transaction fee

First six transfers per month from a savings account4

Excessive transaction fee

No fee

Over six transfers per month from a savings account4

Excessive transaction fee

$5.00/transfer

Maximum fee charged for excessive transfers in a day4

Excessive transaction fee

$15.00/day

Fees incurred

Money order

Fees incurred

$2.00

Official (bank) check

Fees incurred

No fee

Look for the star icon (☆) to indicate which fees are eligible for Member Loyalty Rewards fee rebates.5

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

Excessive non-UNFCU/Co-op/Allpoint network ATM transactions7

First 3 balance inquiries and 8 withdrawals per month per account8

Excessive non-UNFCU/Co-op/Allpoint network ATM transactions7

No fee

Over 8 withdrawals per month per account within the US8

Excessive non-UNFCU/Co-op/Allpoint network ATM transactions7

$1.00/withdrawal

Over 8 withdrawals per month per account outside the US8

Excessive non-UNFCU/Co-op/Allpoint network ATM transactions7

$3.00/withdrawal

Over 3 balance inquiries per month per account within the US

Excessive non-UNFCU/Co-op/Allpoint network ATM transactions7

$0.50/inquiry

Over 3 balance inquiries per month per account outside the US

Excessive non-UNFCU/Co-op/Allpoint network ATM transactions7

$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 ☆

Opened 1 July 2024 or after

For a term of

For a term of

Under 1 year9

91 days’ dividends

For a term of

1–3 years9

180 days’ dividends

For a term of

4–5 years9

365 days’ dividends

Opened before 1 July 2024

For a term of

For a term of

1 year and under9

Up to 90-day dividend forfeiture

For a term of

Over 1 year9

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–$4.0010

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