Current as of: July 23, 2025
| Business Debit Card Service Charges | Fee |
|---|---|
| Debit card fee (must have checking account) | No charge |
| ATM transaction service charge (IU Credit Union ATMs) | No charge |
| ATM balance inquiry service charge on machines other than IUCU, Alliance One or CO-OP network ATM, per inquiry | $.50 |
| ATM transaction service charge on machines other than IUCU, Alliance One or CO-OP network ATM, per transaction | $2 |
| Debit card rush order | $35 |
| Debit card Point of Sale (POS) transactions | No charge |
| Mastercard Cross border and Currency Conversion Assessments (one or both applicable to International Transactions): | |
| 0.9% of transaction amount - Cross Border Assessment (transactions at non-U.S. merchants or ATMs) | |
| 0.2% of transaction amount - Currency Conversion Assessment (transactions in currencies other than U.S. Dollars) | |
Any national, regional, or local network used to complete the transaction may impose a fee; and you may be charged a fee for a balance inquiry even if you do not complete a transaction.
| Savings Service Charges | Fee |
|---|---|
| Early account closure fee Applies when Membership Savings is closed within 90 days of opening. |
$25 |
| Money Market Savings account | |
| Minimum balance $1,000 or more | No charge |
| Charge per month if balance falls below $1,000 | $10 |
| Business Checking Service Charges | Fee |
|---|---|
| BusinessFREE Checking | |
| Up to 50 checks paid per month | No charge |
| Greater than 50 checks paid, per item | $0.15 |
| BusinessPLUS Checking | |
| Minimum balance $2,500 or more | No charge |
| Minimum balance under $2,500, per month | $10 |
| Up to 100 checks paid, per month | No charge |
| Greater than 100 checks paid, per item | $0.15 |
| BusinessANALYSIS Checking | Varies |
Account activity will be monitored. If deemed necessary, based on the number of items processed, IU Credit Union has the option to convert the account. If your checking account is already a BusinessANALYSIS, your fee may be adjusted accordingly.
| Checking Fees | Fee |
|---|---|
| Checking overdraft protection options: | |
| From savings, per transfer Overdraft protection fee is deducted from the checking account. Savings accounts under the same account number as the checking account, excluding IRA savings, may be used as overdraft protection. |
$3 |
| Temporary checks* 4 checks per page, cost per page *5 page maximum. Availability may vary by location. |
$1 |
| Check copy, up to 5 checks per month | No charge |
| Check copy, each check over 5 checks per month | $1 |
| Check order (printed checks) *Prices vary depending on style ordered. Contact us for current prices. |
Varies* |
| Safe Deposit Box* | Annual Fee |
|---|---|
| 3" x 5" | $30 |
| 3" x 10" | $45 |
| 5" x 10" | $65 |
| 7" x 10" (Winslow only) | $85 |
| 10" x 10" (Winslow only) | $125 |
*Available at Winslow (see branch hours) & Center Grove (see branch hours) branches only. Based on availability.
| Miscellaneous Fees | Fee |
|---|---|
| Account transaction history, print copy fee, per account | $5 |
| Inactive account fee, per month Inactive for 6 months, with a cumulative balance less than $500 and no active loans, safe deposit boxes or certificates. |
$5 |
| Telephone transfer fee, per transfer | $3 |
| Check stop payment (to add or remove), per request | $30 |
| ACH return fee, per presentment | $30 |
| Cashier's check, made payable to member on account, limit one per day | No Charge |
| Cashier's check, made payable to member on account, more than one per day | $5 |
| Cashier's check, made payable to another party | $5 |
| Garnishment processing fee | Lesser of $20 or account balance |
| Money Order, each | $3 |
| Mastercard Gift Card activation fee, each | $3 |
| Overdraft Privilege (ODP) fee^: (per occurrence - to include repeat presentments) ^This service is not available for new business checking accounts. |
|
| Item paid $10.00 or less | No Charge |
| Item paid $10.01 or greater | $30* |
| Return item fee (NSF) (per occurrence - to include repeat presentments) |
$30* |
| *Fees are limited to a daily maximum of 3 ODP or return item fees per each savings or checking share. This fee limit applies only to ODP or return item fees per share. | |
| Wire transfer out, foreign | $50 |
| Wire transfer out, domestic | $25 |
| Wire transfer in | $10 |
| Zippered deposit, each | $5 |
| Foreign check processing fee, minimum per item *Additional fees may apply. We will not accept a check valued at less than $200 U.S. |
$47* |
| Notary service | No Charge |
| Signature Guarantee | No Charge |
| Balancing Assistance, last issued statement | No Charge |
| Account research, per hour | $15 |
| Statement copy, per statement | $5 |
| Bad address fee, per month | $3 |
| Night Depository: | |
| Locked bag, up to 2 bags | No Charge |
| Locked bag, more than 2 bags, each | $25 |
| Locked bag, replacement | $25 |
| Night depository access key, up to 2 keys | No Charge |
| Night depository access key, more than 2 keys, each | $2 |
| Night depository access key, replacement | $2 |
| Digital Banking Fees | Fee |
|---|---|
| Online and Mobile Banking | No Charge |
| Mobile Deposit/Business Remote Deposit Capture, up to 10 deposits per month | No Charge |
| Mobile Deposit/Business Remote Deposit Capture, each deposit over 10 per month | $.50 |
| Online Bill Pay | No Charge |
| Stop payment fee on bill | $30 |
| Zelle Send and Receive Money | No Charge |
| Zelle Send and Receive Money | $30 |
Because of the complexity and rapidly changing nature of the economy and financial services industry, the IU Credit Union reserves the right to modify any of its services and charges without prior notice.
Please note: Not all Credit Union products and services are available to business members.
