Schedule of Fees and Service Charges

Effective as of

Account Service Charges

Check Printing
  • Standard Checks
No Fee
  • Counter Checks
USD 1.00
  • Additional Charges for Other Styles
Varies by style
MasterCard Debit Card Instant Issue Replacement
USD 10.00
Direct Deposit
No Fee
Photocopy of Check
1st 6 free / thereafter USD 3.00 per copy
Copy of Statement of Account
(more than 6 months old)
USD 2.00
Insufficient Funds (NSF)
  • UNFCU Check
USD 25.00
  • Check/Pre-Authorized Payment
USD 25.00
Returned Deposit Items
  • U.S.
USD 10.00
  • Non-U.S.
As incurred by UNFCU
Stop Payment of a Check
USD 10.00
Transmatic Overdraft Protection
USD 5.00
Collection Items
USD 25.00
Savings Account:
Below USD 50.00 Minimum Balance
USD 5.00/month
Money Market Account:
Below USD 2,500.00 Minimum Average Daily Balance
USD 7.50/month
ACH Return Fee
USD 20.00
ACH Stop Payment
USD 15.00
Paper Statement Fee*
USD 2.00/month
Dormant Account Fee**
USD 5.00/month

* Applicable for Internet Banking users not enrolled in eStatements.
** Dormant fees are accessed with an account has been inactive for 2 years.

Additional Financial Services

American Express Travelers Check
No Fee
American Express Gift Check
USD 2.00
Money Order
USD 2.00
Official (Bank) Check
No Fee


Over 8 Withdrawals per month (Domestic)
USD 1.00/ withdrawal
Over 8 Withdrawals per month (International)
USD 3.00/ withdrawal
Over 3 Balance Inquiries per month (Domestic)
USD 0.50/ inquiry
Over 3 Balance Inquiries per month (International)
USD 1.00/ inquiry
MasterCard Currency Settlement (w/o currency conversion)
MasterCard Currency Settlement (with currency conversion)
Nairobi ATM Surcharge
  • UNFCU card
USD 2.00
  • Non-UNFCU card
USD 5.00

Share Certificate Early Withdrawal Penalty

For a term of:
  • Under 1 Year
Up to 90-day dividend forfeiture
  • 1 Year and Over
Up to 180-day dividend forfeiture

Wire Transfer

Incoming Wire Transfer
No Fee
Domestic (U.S.) Wire Fee (eWires and Standing Order)
USD 15.00
Domestic (U.S.) Wire Fee (Branch)
USD 35.00
International Wire Fee (eWires)
USD 30.00
International Wire Fee (Branch)
USD 40.00
Foreign Exchange Wire Fee (eWires)
USD 30.00
Foreign Exchange Wire Fee (Branch)
USD 35.00

A standing order is a recurring wire transfer sent to a pre-defined beneficiary for a pre-defined amount and pre-defined date. The frequency of this wire transfer may be weekly (by day of week), bi-monthly, monthly, quarterly, bi-annually or annually. A standing order is managed by UNFCU Wire Transfer Services on the member’s behalf and is administered solely through a Standing Order Request. Standing Order Request: Please contact a Member Service Representative at +1347‑686‑6000, via our toll free number, or at Standing orders/recurring payments that cannot be completed on the intended date due to insufficient funds are terminated after the first attempt. The standing order or recurring payment will be processed automatically on the next scheduled date.

Bill Pay Fees

With Direct Deposit
No Fee
Without Direct Deposit per month
USD 4.95
Overdraft Fee
USD 20.00
Stop Payment
USD 15.00

Legal Fees

Notary Public
No Fee
Legal Document Processing Fees
(i.e. levies, restraining notices, subpoenas, garnishments, et al.)
USD 25.00
Consular/ Balance Letter
USD 5.00

Research/Investigation Fees

Per hour
USD 25.00
(USD 5.00 minimum charge) plus all additional pass-through expenses
Document Retrieval Fee
USD 50.00

Express Delivery of Visa Credit Card, & Debit Card and PIN mailers and other non-card items

Express Courier – U.S.
USD 15.00
Express Courier – Outside U.S.
USD 50.00+
(or as incurred by UNFCU)

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

Featured Rates

Savings0.20% APY
Checking0.05% APY
IRA0.20% APY
Clubs0.20% APY
Learn more