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IU Credit Union "We started a credit union and created a community."
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 Debit Card Service Charges
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
ATM transaction service charge on machines other than IUCU, Alliance One or CO-OP network ATM, per transaction
Debit card replacement, each
Debit card rush order
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†
Money Market Savings account
   Daily balance $1,000 or more
No charge
   Daily balance under $1,000 (at any time during 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)
Money Market Checking account
   Daily balance $1,000 or more
No charge
   Daily balance under $1,000 (at any time during month)
Renew Checking account*
*This product is only available at our Monroe County branch locations.

 Other Checking Fees  
Checking overdraft protection options:
   From savings, per transfer*
   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
5 page maximum
Check copy, limit 5 checks per month
No charge
Check copy, per check over 5 checks per month
Overdraft Privilege (ODP) Fee per item (checks, ACH, ATM and debit card transactions)
Return item fee (checks written on your IUCU account)
Check order (printed checks)
*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
3" x 10", annual fee
5" x 10", annual fee
7" x 10", annual fee
10" x 10", annual fee
*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
Cashier checks, made payable to another party
Money orders

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

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

Balancing assistance, last issued statement
No charge
Balancing assistance/account research
Statement copy

 Returned Item  
ACH (electronic withdrawal) return fee (NSF Fee)
Deposited or Cashed Check - Return item
(checks deposited or cashed at IU Credit Union and returned unpaid):

 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
Online Bill Pay (Automated bill payment)
No charge
   Stop payment fee on bill

 Miscellaneous Fees  
Account transaction history fee
Inactive account fee*
Telephone transfer fee^
Stop payment order (to add or remove)
Garnishment processing fee
(or amount in account if less)
Bad address fee
Deposit bag, zippered
Foreign check/bank processing fee
Minimum $43^^ per item
MasterCard Gift Card activation fee
*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.
Check Today's Rates & Fees
Account Services

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