local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
PersonalBusinessYouthWorking Together With Your Goals In Mind
   loan apps
Facebook Twitter Google Plus

United Bay Community Credit Union Fee Schedule

Fees Effective April 1, 2019
Fee Description
Fee Amount

ATM withdrawal at Non CO-OP Network ATM

First 4 transactions per month are FREE. $1.00 per transaction over 4.

Bill Pay - Active Account
- Gift Checks
- Next Business Day Rush Payment
- Second Business Day Rush Payment

Inactive Fee - After 90 days of inactivity, Bill Pay is automatically closed.

$2.99 per check
$19.95 per payment
$14.95 per payment

$5.00 per month

Check Cashing Fee†

$5.00 per check

Check Copy

$5.00 per item

Check Orders

Prices vary according to style

Check Orders for Retirees

1 free box per calendar year for primary members age 62 and older with their social security or pension direct deposit.

Checkbook Balancing

$25.00 per hour

Closed Membership Account less than 6 months old


Club Accounts - Early Withdrawal

$15.00 per withdrawal

Coin Counting Services

3% of total counted

Copy of Credit Union Bylaws


Corporate Check


Debit Card
- Balance Inquiry
- Debit Card Dispute “Denied”
- PIN Mailing
- Reinstate Stop Card
- Replacement
- Member ATM Adjustment at Foreign ATM

$10.00 per mailing
$25.00 per card
$5.00 per card

Deposited Check Return Fee

$30.00 per item

Dormant Account Fee

$10.00 per month

Escheat Processing Fee

$50.00 or account balance if less



Fax Services

$1.00 per page

Garnishment Fee


Gift Cards


Money Order


Non-Sufficient Funds


Notary Service

$3.00 per document

Paper Statement Fee‡
(free for members 0-18 yrs.& 62 yrs. and older)

$3.00 per month


$1.00 per page

Safe Deposit Box
Box sizes vary per location

- Key Replacement
- Lock Drilling (plus locksmith costs)
- Delinquent Fee

3”x5”: $20.00
5”x5”: $30.00
3”x10”: $40.00
5”x10”: $50.00
10”x10”: $100.00
$10.00 per key
$100.00 per box
$30.00 first month delinquent
    $10.00 monthly following

Starter Checks

$2.00 per page

Statement Copy
- Current Year
- 1-3 Years Prior
- 4 Years & Older

$5.00 per month
$10.00 per month
$20.00 per month

Stop Payment


Telephone Transfer (free for members 0-18 yrs.& 62 yrs. and older)


Transaction History Printout

$1.00 per page

Undeliverable Mail

$3.00 per item

- Cash Advance
- Foreign Transaction

- Late Payment
- Over the Credit Limit
- Returned Payment

No Annual Fee

Up to 1% of each transaction
in U.S. dollars

Up to $25.00
Up to $10.00
Up to $25.00

Verification of Deposit (Excludes SSI)


- Domestic
- International
- Incoming Wires



† All members that meet at least one (1) of the following qualifiers are exempt from the check cashing fee. All qualifiers must be active within the last 30 days.

  • Between the ages of 0 and 18
  • Age 62 years or older
  • Active Loan (excluding Cover and Overdraft Loans)
  • Active UBCCU Visa Card
  • Active Checking Account with Direct Deposit and Debit Card
  • Combined Average Daily Balance of $300 in Share/Savings

‡ Paper Statement Fees for members as of July 31, 2013 will be based on Relationship Pricing Level as of July 31, 2013. For accounts opened after July 31, 2013, paper statement fee will be $3.00 per month.


Non-Member Fees

The following fees apply to non-members for the following services.
Fee Description
Fee Amount

Coin Counting Services

8% of total counted

Check Cashing
    Under $1,000
    $1,000 and Over
(UBCCU ON-US or Corporate Check)

$5.00 per check
$10.00 per check

Check Cashing
(ON-US reissued into a Corporate Check for collection of funds)

$25.00 per check

Non-Member Visa/MasterCard Cash Advance


Notary Services

$10.00 per document



Click here for a printable version.

Adobe Acrobat® is needed to view the printable fee schedule.

Click on the graphic to download the latest version of Adobe Acrobat®


To connect with our members by inspiring trust and providing
the financial support they need to establish roots and thrive.

Providing our members the resources
to develop strong financial roots.

member NCUA       Equal Housing Opportunity