Fee Schedule

local: 989.892.4597 toll free: 800.968.7696 email: info@ubccu.org

United Bay Community Credit Union Fee Schedule

Fees Effective December 1, 2011

As part of our new member rewards program, starting November 1, 2011, some fees will be based upon the relationship level of your account. For more information about this program, check out the Membership Rewards Program page.

MEMBER REWARDS - RELATIONSHIP LEVEL FEES

Fee	Copper	Silver	Gold	Platinum
Corporate Check Fee - per check	$1.00	$0.75	$0.50	Free
Money Order Fee - per money order	$1.00	$1.00	$0.50	Free
Stop Payment Fee - per item stopped	$25.00	$20.00	$15.00	$10.00
Non-Sufficient Funds (NSF) - per item	$25.00	$22.50	$20.00	$17.50
Returned Check Fee - per check	$7.50	$5.00	$3.50	Free
Notary - per document	$5.00	$4.00	$2.00	Free
Check Cashing Fee - per check (See Note 3)	$2.50	$2.00	Free	Free
Paper Statement Fee - per statement (See Note 1)	$3.00	$2.50	2.00	$1.50
Starter Checks - per page (See Note 2)	$2.00	$1.50	$1.00	Free
Travelers Checks - per pack	$2.00	$1.00	$0.50	Free
Christmas Club Early Withdrawal - per transaction (See Note 4)	$10.00	$10.00	$10.00 1 free per year	$10.00 2 free per year
Wire Transfers - per transfer - Credit Union to Credit Union - Domestic - In Person - Domestic – By Phone - International – In Person - International - By Phone	Free $15.00 $25.00 $25.00 $35.00	Free $10.00 $20.00 $25.00 $35.00	Free $10.00 $20.00 $25.00 $35.00	Free $8.50 $17.50 $25.00 $35.00
Telephone Transfers - per transfer (use of the Phone Access Line PAL is free)	$2.00	$1.00	Free	Free
Verification of Deposit - per verification	$3.00	$2.00	$1.00	Free
Gift Cards - per card	$3.00	$2.50	$2.00	$1.00
Foreign ATM Withdrawals	First 4 per month free $1.00 per transaction over 4	First 6 per month free $1.00 per transaction over 6	First 8 per month free $1.00 per transaction over 8	First 10 per month free $1.00 per transaction over 10

Note 1 - Paper statement fee applies only to accounts open on or after November 1, 2011. This fee applies for accounts receiving a printed paper statement via the U.S. Mail.
Note 2 - Starter checks will be provided, free of charge, if requested when opening a new checking account.
Note 3 - Check cashing fee will be waived for accounts whose primary member is under 18 years of age.
Note 4 - Christmas Club withdrawals are counted from October 1st through September 30th for each year, to correspond with the maturity payout of the account.

Fees listed below are not based upon the relationship level of your account.

MEMBERSHIP ACCOUNT click for info

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
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
Dormant Fee. *Begins after 1 year of inactivity.	$5.00 per month
Escheat Processing Fee	$50.00 or account balance (whichever is less)

CHECKING ACCOUNT click for info

Copy of a check *This service is FREE with Ubay@Home Online Banking.	$5.00 per check
Balance Checking Account	$25.00 per hour
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

BUSINESS CHECKING ACCOUNT click for info

In addition to other fees listed, these fees apply to Business Accounts:

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

ATM/DEBIT CARDS click for info

Initial ATM and/or Debit Card	FREE
ATM balance inquiry	FREE
Replace/Reorder ATM or Debit Card	$5.00 per card
Reinstate an ATM or Debit Card that has been stopped	$25.00 per card
Mail an ATM or Debit Card Personal Identification Number (PIN)	$10.00 per mailing
Debit Card Dispute Research Fee	$25.00 per transaction
ATM Transaction Adjustment	$5.00 per adjustment

ONLINE SERVICES - HOME BANKING click for info

UBAY@Home Online Banking - Available 24/7.	FREE
Online Bill Pay with eBills Active Account Inactive Account* Gift Checks Next Business Day Rush Payment Second Business Day Rush Payment *Inactive accounts are those which have not have any payments processed within 30 days. Bill Pay service will be automatically stopped after 90 days of inactivity.	FREE $5.00 per month $2.99 per check $14.95 per payment $9.95 per payment
Cross Account Transfers	FREE
Apply for a Loan online	FREE
eStatements	FREE
eAlerts	FREE

PHONE BANKING click for info

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

FREE

VISA® CREDIT CARDS click for info

VISA® Platinum, VISA® Pledge	No Annual Fee
Late Payment Fee	$25.00 per payment
Member request for immediate payment on account	$10.00 per payment
Card Replacement Fee	$5.00 per card
Non-Sufficient Funds (NSF) Fee	$25.00 per item
VISA® Gift Card Fee	$3.00 per card

SAFE DEPOSIT BOX FEES click for info

Safe Deposit Box sizes vary by the branch in which the box is housed. Rental fee is per year.

Location: 1309 N. Lincoln, Bay City

Small
Medium
Large
Extra Large

$20.00
$30.00
$40.00
$100.00

Location: 3939 N. Euclid, Bay City

Small
Large

$30.00
$40.00

Location: 205 S. Mable, Pinconning

Small
Large

$20.00
$40.00

Key Replacement - per key, all branches

$10.00 plus locksmith fees

Lock Drilling - per box, all branches

$100.00 plus locksmith fees

MISCELLANEOUS FEES

Night Depository Items	FREE
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
Photocopies, Faxes (incoming & outgoing), Print Outs	$1.00 per page

NON-MEMBER FEES

Non-Member Check Cashing	$10.00 per check
Non-Member Notary Service	$15.00 per document
Non-Member ATM Adjustment	$5.00 adjustment
Non-Member Credit Card Cash Advance	$5.00 per advance

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Mission Statement The mission of United Bay Community Credit Union is to be our members' primary financial institution, providing them with quality, confidential, professional and personal service, while maintaining a sound and stable credit union.

	Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. www.ncua.gov We Do Business In Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.

United Bay Community Credit Union, 1309 North Lincoln Avenue, Bay City, MI 48708-6172 © 2007-2011 United Bay Community Credit Union. All Rights Reserved. Telephone: (989)892-4597 \| Toll-Free: (800)YOUR OWN \| Phone Access Line (PAL): (866)487-7717