ACU is a not-for-profit institution, but we do have to maintain the services we provide. Fees help us to do that. As such, we reserve the right to charge what you see here. However, we will also help you avoid paying as much as we can. Much of what you see actually cost us much more than we charge. In these cases, we are simply asking that you help us offset the total cost. In other instances, the fees are to help avoid account abuse, for general services or for when the credit union provides account management or assistance. Our Communication Center prides itself on helping people avoid paying unnecessary items. If you have questions or want advice, please let us know! We’ll do what we can to help.

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Deposit/ Checking Accounts Fee
Par Value of 1 Share  $5
Membership Fee     Free
Membership Closure First 90 Days $50
Checking Free
Interest-Bearing Checking $10 (Waived if the balance remains above $500)
Reg D Excessive Activity Fee $3 per transaction after first 6 in a calendar month
Overdraft Transfers from Savings     $2 per transfer
Insufficient Funds (NSF) $32 per item
Uncollected Funds $32 per item
Courtesy Pay $32 per item
Overdrawn Fee $32 per item
Stop Payment $32 per item
Stop Payment- Series of Checks $64 per item
Reopen a Closed Membership $50 per occurrence
Returned Deposit Item $40 per item
Return Deposit To/ From Same Member $50 per item
Check Copy      $5 per check
Statement Copy      $9 per item
Paper Statement by Mail     $9 per statement
Statement by Fax $3 per statement
Online Statement Free
Account Reconciliation $35 per hour
Account Research $35 per hour
Box of Checks Prices vary
Holiday Account Early Withdrawal $25 per withdrawal
Money Market Account Excessive Withdrawal      $10 per withdrawal (First 6 are free)
Third Party Check Cashing $20 per check
Check Cashing Fee 3% with a $20 minimum- Only applies if S1 balance is below $100
Foreign Item Collection $50 per item
Foreign Item Return Fee $50 per item- plus foreign bank fees
Incoming Collection Item $50 per item
AcUtransfer Incoming (Account to Account) Free
AcUtransfer Outgoing (Account to Account) $1 per item
AcUtransfer Incoming (Personal Payment) $1 per item
AcUtransfer Outgoing (Personal Payment) $1 per item
Bill Pay Inactive     $5/ month after 3 months of inactivity
Bill Pay Rush Delivery (2 Day) $19.95
Bill Pay Rush Delivery (3 Day) $14.95
Escheat Fee Lesser: 2% of balance or $25
Organization Account Admin Fee $10/ Occurrence
Organization Account Excessive Items $15 (over 20 items)
Inactive Account Fee (General) $10/ month after 12 months of no activity
Inactive Account Fee (Kasasa Only) $10/ month after 6 months of no activity on Kasasa accounts
Loans and Lending Fee
Loan Late Payment $15
Loan Payment by Credit Card(AcUtransfer Free!) $10 per payment
2nd Mortgage Late Fee 5% of payment due
HELOC Late Fee 5% of payment due
Loan Subordination $250
Consumer Loan Refinance $100
Consumer Loan Modification $50
1st Mortgage Refinance Fee $250
1st Mortgage Modification $1000
2nd Mortgage Refinance $250
2nd Mortgage Modification $75
HELOC Modification $75
Appraisal At Cost
Mortgage Deed Release $41
Mortgage Deed Filing $51
Value Check $50
Flood Certificate $35
Ownership and Encumbrance (O & E) $75
Tax Certificate $75
Mortgage Guarantee At Cost
Full Title At Cost
Lien Release Fee $50
Duplicate Title Fee $50
Title Filing Fee $50
AcUtransfer Payments and Transfers Free when making ACU payments
Loan Maintenance/ Coupons    $30
Loan Document Redraw $25
2nd Mortgage Processing   $100
Loan Administration Fee $50
In-House Auto Refinance   $300
GAP (Origination less than $25,000) $295
GAP (Origination more than $25,000) $495


Cards- All Credit and Debit Cards Fee
Credit Card Late Payment $15
First Debit/ Credit Card Issue Free
Card Transaction Dispute Processing Fee $32 per item
PIN Reissue $5 per request
Card Replacement $12 per request
3 Day Rush Order Card/ PIN $45 for each card &/or PIN request
2 Day Rush Order Card/ PIN $75 per request
ATM Deposit Correction $10 per correction
ATM Excessive Usage     $4 (first five are free)
ATM Deposit Adjustment $2/ $6
Copy of Sales Draft      $25 per occurrence
Convenience Services Fee
Exchange of ACU Member Check for ACU Certified Check $20 per request
Credit Union Teller/ Cashier Check ($5 Min.) 1 free per day/ $3 for each additional check
Outgoing Domestic Wire $40 per wire
Outgoing International Wire $75 per wire
Other Fee
On-us Check Cashing (Max $500/ Check) $20
Garnishment/ Levy Processing $50
Return Mail/ Bad Address      $10 per month
Cash Advance (Non-ACU Card) $10 per advance
Signature Guarantee $25 per document guaranteed
IRA Administration   $25 annually
Fax/ Photocopy $1 per page
Verification of Deposit/ Verification of Mortgage Fee $10 per item
Identity Safe (Optional/ Default Benefit)     $1.96 per month
Notary Services First free/ $5 each following impression
Compliance Review     $100
FedEx Shipment $50


Courtesy Pay: Covering payments by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. The privilege for consumer share draft and money market accounts will be limited to a maximum negative balance of $2,000 (or less, depending on approved limit) per transaction account (share draft and money market accounts). The limit is determined per membership and it is possible to be connected/ liable for all accounts in which you are a primary or joint owner. Transaction types that are eligible for courtesy pay include and are limited to: ACH transactions, debit card transactions (point of sale and recurring), and share drafts (checks). You must bring your account balance to a positive balance within a rolling 30-day period for a minimum of 24 hours to remain eligible. The credit union, at is sole discretion, can cancel this protection, and cease paying overdrafts at any time without prior notice of reason or cause. Approval is required before being allowed this service. The fees associated with the Courtesy Pay Program are outlined in the Fee Schedule. A fee will be assessed anytime the credit union elects to pay an item where there are not available funds, regardless of the dollar amount. Additionally, this is an "at-will" program. You may opt-out of coverage at any time by contacting the credit union and providing written instructions, if necessary. Of note, we offer several levels and various limits to this service (e.g. use for all transactions or just ACH/ check options). To discuss this service or help us customize it for your needs, please contact us.

Schedule Updated 10.6.21.

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