• Automatic Transfer from Savings to Checking to cover Non-Sufficient Funds (NSF) check(s). *Regulation D limits the number of electronic withdrawals from a Savings account to 6 per month; if you exceed that number it will not transfer and overdraw your checking account.

FREE

• Minimum balance to retain Share account.

$5.00

• Non-Sufficient Funds (NSF) Check per item.

$25.00

• Check Cashing Fee
  *If the membership account has a balance under $10.00 and has no other services.

$5.00 per check

• Fee to close a membership account opened less than 6 months

$5.00

• Fee to reopen membership account within 6 months of last closure

$25.00

• Stop Payment *No refunds once the stop has been places.       

$25.00

• Non-Sufficient Funds (NSF) Check/Overdraft Privilege (ODP) fee per check. *UBCCU does not mail overdraft notices, but you can view your account anytime for FREE with Ubay@Home Online Banking.

$25.00

• Returned Check Fee for each item returned. *Checks returned unpaid due to Non-Sufficient Funds (NSF).        

$5.00

• FRB (Federal Reserve Branch) returned item fee.

$25.00

• Deposited check held for collection. *Check/Draft that has to be converted to negotiable funds.

$25.00

• Copy of a check. *This service is FREE with Ubay@Home Online Banking.

$5.00

• Balance Checking Account

$25.00 per hour

• Starter/Counter Checks

$2.00 per sheet

• Check Printing *New Accounts will be issued 12 FREE starter checks at opening.
  *Retiree with Direct Deposit  (Pension or Social Security) will receive 1 FREE box per year.

Varies by Supplier

For Profit Business

• Per check deposited. *First 10 items deposited are free per month.

• Per check paid. *First 10 items paid are free per month.

• Per Electronic Funds Transfer (EFT). *First 10 items free per month.

No Monthly Fee

.20 per item

.15 per item

.10 per item

• Initial ATM and/or Debit Card.        

FREE

• Members can visit a UBCCU branch to change their ATM or Debit Card Personal Identification Number (PIN).

FREE

• ATM balance inquiry.

FREE

• Four transactions at Non-UBCCU or CO-OP Network ATMs per month.

• For transactions exceeding the fourth free per month through Non-UBCCU or CO-OP Network ATMs

FREE

$1.00

• Non-Sufficient Funds (NSF) fee for returned checks deposited through the ATM.

$25.00

• Replace/Reorder ATM or Debit Card. *Damaged/Old

$5.00

• Reinstate an ATM or Debit Card that has been stopped by UBCCU.

$25.00

• Mail an ATM or Debit Card Personal Identification Number (PIN).

$10.00

• Debit Card Dispute Research Fee.

$25.00 per transaction

• UBAY @ Home Online Banking. *Available 24/7.

FREE

• Online Bill Pay

FREE

• Cross Account Transfers

FREE

• Apply for a loan online

FREE

• eStatements

FREE

• PAL (Phone Access Line) banking. *Available 24/7.

FREE

• VISA® Platinum, VISA® Pledge        

No Annual Fee

• Late Payment Fee

$25.00

• Member request for immediate payment on account.  

$10.00

• Card Replacement Fee. *Damaged/Old

$5.00

• Exceed Credit Limit Fee

$10.00

• Non-Sufficient Funds (NSF) Return Check Fee.

$25.00

• VISA® Gift Card Fee

$3.00

• Money Orders. *Available up to $1,000.00 each.

$1.00 each

• American Express Travelers Checks

$5.00 total sales

• Corporate Cashier Checks under $250.00.

• Corporate Cashier Checks for $250.00 and over.

$1.00 each

$1.00 each

• Between Credit Unions in Michigan      

FREE

• Out-going Domestic Wires. *Requested in person at the credit union or is an established recurring wire.

$15.00

• Out-going Domestic Wires. *Requested by phone.

$25.00

• Out-going International Wires. *Requested in person at the credit union or is an established recurring wire.

$25.00

• Out-going International Wires. *Requested by phone.

$35.00

• Night Depository Deposits/Payments           

FREE

• Notary Service for members

FREE

• Notary Service for non-members

$15.00 per document

• Dormant Fee. *Begins after a year of inactivity.

$5.00 per month

• Escheat Processing Fee

$50.00 or account balance (whichever is less)

• Copy of a Statement

  Per statement within current year.

  Per statement 1-3 years prior.

  Per statement older than 3 years.

$5.00

$10.00

$20.00

• Copy of Credit Union Bylaws

$25.00

• Member requesting Fax. *Limit 10 pages.

$1.00 per page

• Photocopies and Print Outs

$1.00 per page