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Fees

Debit Card Service Charges
Fee
Debit card fee (must have checking account)
 
Standard designs
No charge
Premium designs (at initial issue and card expiration reissue)
$10
ATM transaction service charge (our machines)
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 replacement, each
$5
Debit card rush order
$60
Debit card Point of Sale (POS) transactions
No charge
MasterCard Cross Border and Currency Conversion Assessments
(one or both applicable to International Transactions)
Cross Border Assessment
(transactions at non-U.S. merchants or ATMs)
0.9% of transaction amount
Currency Conversion Assessment
(transactions in currencies other than U.S. Dollars)
0.2% of transaction amount

Any national, regional, or local network used to complete the transaction may impose a fee. You may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

 

Savings Service Charges
Fee
Early account closure fee†
$25
Money Market Savings account
Daily balance $1,000 or more
No charge
Daily balance under $1,000 (at any time during month)
$10/month

† Applies when Membership Savings is closed within 90 days of opening.

 

Other Savings Fees
Fee
Return item fee (ACH electronic withdrawal drawn on your IUCU account)
$30
Deposited or Cashed Check - Return item (any check deposited or cashed at IU Credit Union and returned unpaid)
$10

 

Checking Service Charges
Fee
Free Checking
No charge
Platinum Checking account
Daily balance $10,000 or more
No charge
Daily balance under $10,000 (at any time during month)
$20/month
Money Market Checking account
Daily balance $1,000 or more
No charge
Daily balance under $1,000 (at any time during month)
$10/month
Renew Checking account*
$10/month

*This product is only available at our Monroe County branch locations.

 

Other Checking Fees
Fee
Checking overdraft protection options:
From savings, per transfer*
$3
From personal Line of Credit loan (upon approval), unlimited number of transfers
No charge
Temporary checks or deposit slips (availability may vary by location), 4 per page
$.50/page, 5 page maximum
Check copy, limit 5 checks per month
No charge
Check copy, per check over 5 checks per month
$1
Overdraft Privilege (ODP) Fee per item (checks, ACH, ATM and debit card transactions)
$30
Return item fee (check or ACH electronic withdrawal on your IUCU account)
$30
Deposited or Cashed Check - Return item (any check deposited or cashed at IU Credit Union and returned unpaid)
$10
Check order (printed checks)
Varies

*Overdraft protection fee is deducted from the checking account. Membership Savings (excluding Money Market Savings) under the same account number as the checking account, may be used as overdraft protection.

 

Safe Deposit Box*
Annual Fee
3" x 5"
$15
3" x 10"
$30
5" x 10"
$50
7" x 10"
$70
10" x 10"
$100

*Available at Winslow (see branch hours) & Center Grove (see branch hours) branches only. Based on availability.

 

Cashier's Checks and Money Orders
Fee
Cashier's checks, made payable to member:
Limit one per day
No charge
More than one per day
$5
Cashier's checks, made payable to another party
$5
Money orders
$3

 

Wire Transfers
Fee
Wire transfer out, foreign
$40 plus intermediary bank fee
Wire transfer out, domestic
$25
Wire transfer in
$10
Wire transfer, research
$15

 

Notary Services and Signature Guarantees
Fee
Notary service
No charge
Signature guarantees
No charge

 

Research
Fee
Balancing assistance, last issued statement
No charge
Balancing assistance/account research
$15/hr
Statement copy
$3/statement

 

Online Banking / Mobile Banking / Online Bill Pay
Fee
Online Banking (Account information and access)
No charge
Mobile Deposit, limit 10 checks per month
No charge
Mobile Deposit, each deposit over 10 checks per month
$.50
Mobile Deposit, each deposit over 10 checks per month
$.50
Online Bill Pay (Automated bill payment)
No charge
Stop payment fee on bill
$30

 

Miscellaneous Fees
Fee
Account transaction history fee
$2
Inactive account fee*
$5/month
Telephone transfer fee^
$3/transfer
Stop payment order (to add or remove)
$30
Garnishment processing fee
$20 (or amount in account if less)
Bad address fee
$3/month
Deposit bag, zippered
$5
Foreign check/bank processing fee
Minimum $43† per item
MasterCard Gift Card activation fee
$3

*Applies to accounts (primary owner is 18 or older) inactive for 6 months, with a cumulative balance less than $500 and no active loans or certificate products.

^Excludes Bank-by-Phone transfers

†Additional fees may apply. Will not accept check valued less than $200 U.S. for collection.

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.

© 2016 IU Credit Union. All Rights Reserved.

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