United Bay Community Credit Union Fee Schedule
Fees Effective November 1, 2007
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MEMBERSHIP ACCOUNT

  • 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    .
         $     3.00 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

 
CHECKING ACCOUNT 

  • 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).        
         $    4.00
  • 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
         $   20.00 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)
           1 box at a time will be FREE.

         Varies by
        Supplier
  • For Profit Business

Per check deposited



Per check paid



Per Electronic Funds Transfer

 

No Monthly Service Fee

.20 per item
*First 10 items deposited
are free per month.

.15 per item
*First 10 items paid are
free per month.

.10 per item
*First 10 items free per month.


ATM/DEBIT CARD

  • 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.
        $   10.00
  • Mail an ATM or Debit Card
    Personal Identification Number (PIN).
         $   10.00
  • Debit Card Dispute Research Fee.
         $   25.00 per transaction

 
ONLINE SERVICES - HOME BANKING

  • UBAY @ Home Online Banking       
    *Available 24/7.
                FREE                
  • Online Bill Pay
                FREE        
  • Cross Account Transfers       
               FREE        
  • Apply for a loan online
                FREE        
  • eStatements  
                FREE        

 
PHONE BANKING

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


 
VISA® CARDS

  • VISA® Classic 
    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/TRAVELERS CHECKS/
CORPORATE DRAFTS

  • Money Orders
    *Available up to $1,000.00 each.          
         $    1.00 each
  • American Express Travelers Checks
                FREE
                             

  • Corporate Cashier Checks for $250.00 and over.

    Corporate Cashier Checks under $250.00.

               FREE
    
         $    1.50 each



WIRE TRANSFER

  • Between Credit Unions in Michigan      
               FREE
  • Domestic Wires
    *Requested in person at the credit union
    or is an established recurring wire.
          $   15.00
                             

  • Domestic Wires
    *Requested by phone.

         $   25.00

  • Foreign Wires
    *Requested in person at the credit union
    or is an established recurring wire.
          $   25.00
  • Foreign Wires
    *Requested by phone.
          $   35.00

 

MISCELLANEOUS FEES

  • Night Depository Deposits/Payments           
                 FREE                
  • Notary Service for members
                  FREE                
  • Notary Service for non-members       .
        $   5.00 per document
  • Dormant Fee
    *Begins after a year of inactivity.
        $     5.00 per month

  • 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
         $    1.00 per page

 

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.