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IU Credit Union "We started a credit union and created a community."
 
YOU ARE HERE: Home » Rates » Fees

Fees

 Debit Card Service Charges
 Fee
Debit card fee (must have checking account)
No charge
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  
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.

 Checking Service Charges  
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  
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 (checks written on your IUCU account)
$30
Check order (printed checks)
Varies
*Overdraft protection fee is deducted from the checking account. Membership and Savings (excluding Money Market Savings) under the same account number as the checking account, may be used as overdraft protection.

 Safe Deposit Box* (Available at Winslow branch only)  
3" x 5", annual fee
$15
3" x 10", annual fee
$25
5" x 10", annual fee
$40
7" x 10", annual fee
$65
10" x 10", annual fee
$85
*Based on availability.

 Cashier Checks and Money Orders  
Cashier checks, made payable to member:
 
   Limit one per day
No charge
   More than one per day
$4
Cashier checks, made payable to another party
$4
Money orders
$2

 Wire Transfers  
Wire transfer out, foreign
$40 plus intermediary bank fee
Wire transfer out, domestic
$20
Wire transfer in
$10
Wire transfer, research
$15

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

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

 Returned Item  
ACH (electronic withdrawal) return fee (NSF Fee)
$30
Transit check return item fee
(checks deposited from another institution and returned):
$5

 Online Banking / Mobile Banking / Online Bill Pay  
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
$0.50
Online Bill Pay (Automated bill payment)
No charge
   Stop payment fee on bill
$30

 Miscellaneous Fees  
Account transaction history fee
$2
Inactive account fee*
$5/month
Telephone transfer fee^
$3/call
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.
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