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| Category | Fee Description | Fee Amount |
|---|---|---|
| ACH-DEBITS | Non-Sufficient Funds | $35.00 |
| Stop Payment | $35.00 | |
| One-time ACH Origination Fee | $25.00 | |
| ATM/DEBIT MASTERCARD CARD FEES | ATM Transaction - Unity Catholic ATMs | FREE |
| ATM Transaction - 8 Withdrawals/month any network | FREE | |
| ATM Transaction - Over 8/month any network | $0.50/withdrawal | |
| Inquiry Fee - Unity Catholic ATMs | FREE | |
| Inquiry Fee - Non-Unity Catholic ATMs | $1.00 | |
| Foreign Transaction Fee | 0.90% of purchase | |
| Card Replacement | $15.00 | |
| Card Replacement – Rush | $35.00 | |
| Chargeback Fee per dispute | $25.00 | |
| Withdrawal that makes account negative | $35.00 | |
| Surcharge Fee | $3.00 | |
| IRA FEES | Annual Maintenance Fee | $12.00/annually |
| Account closed within 12 months of opening | $25.00 | |
| Outgoing Transfer Fee | $10.00 | |
| SAFE DEPOSIT BOX (St. Charles main office only) | Annual Fee - Box size 3x5 | $30.00 |
| Annual Fee - Box size 5x5 | $45.00 | |
| Annual Fee - Box size 3x10 | $55.00 | |
| Annual Fee - Box size 5x10 | $70.00 | |
| Replacement Key(s) | $30.00 | |
| Cost for Drilling | Actual Cost + $25.00 | |
| Late Fee | $10.00 | |
| SHARE DRAFT/CHECKING ACCOUNTS | Bill Pay - initial 3 months free, then non-use | $3.00/month |
| Account Research Fee | $25.00/hour | |
| Check Printing Fees | Actual Cost | |
| Temporary Checks | $1.00/page of 4 | |
| Photo Copy of a Check | $5.00/per check | |
| Photo Copies of checks in Home Banking | FREE | |
| Honor/Courtesy Fee Resulting in a Negative Balance |
Up to $5.00 - FREE $5.01-$30.00 - $20.00 $30.01+ - $35.00 |
|
| NSF Check Return | $35.00 | |
| Collection Fee – Draft presented for Collection | $35.00 | |
| Stop Payment | $35.00 | |
| Automatic Share Transfer due to NSF (after 3/month) | $2.00/per Transfer | |
| VISA FEES | Returned Check Fee due to NSF | $35.00 |
| Late Payment Fee | $27.00 | |
| Late Again within 6 Months | $29.00 | |
| Foreign Transaction | 1% of purchase | |
| Visa Replacement Card Fee | $15.00 | |
| Rush Replacement | $35.00 | |
| Non-Member Cash Advance Fee | $5.00 | |
| Pre-authorized Payment Cancellation Fee | $28.00 | |
| WIRE TRANSFER/WIRE SERVICE | Outgoing - Domestic | $25.00/wire |
| Outgoing - Foreign | $45.00/wire | |
| Incoming - Domestic | $15.00/wire | |
| Incoming - Foreign | $25.00/wire | |
| SERVICE FEES |
Check Cashing (Less than $100, no other active service) Active = service used at least every 6 months |
$5.00/item |
| Check Cashing (Members under 18 years of age) | Waived | |
| Check Cashing (Non-Members) | $15.00 | |
| Counter Check made out to third party | $2.00/per check | |
| Counter Check Stop Payment | $35.00 | |
| Money Order Fee | $1.50/per item | |
| Notary Fee (Member) | FREE | |
| Notary Fee (Non-Member) | $5.00 | |
| Record Retrieval - Microfilm Copy of draft or other record | $5.00/per item | |
| Returned Mail Charge | $10.00/per item | |
| Tax Levy/Garnishment/Litigation | $55.00 | |
| VISA Gift Card | $2.95 | |
| VISA Prepaid Re-Loadable Debit Card | $3.95 | |
| ACCOUNT FEES | Membership Fee | FREE |
| Club Account Early Withdrawal Fee | $10.00 | |
| Deposited Item Return | $25.00 | |
| Dormant Account Fee after 1 year Waived for members under 18 years old | $5.00/month | |
| Early Account Closure within 90 days (except IRA accounts) | $25.00 | |
| Escheat Fee | $50.00 | |
| Non-Sufficient Funds (transfer or ACH origination, per item) | $35.00 | |
| Automatic Loan Payment Transfer – NSF | $35.00 | |
| Statement/Activity Copy | $5.00/statement | |
| Money Market Excess Withdrawal Fee (after 3) | $10.00/per item | |
| Account Verification Processing Fee | $5.00 | |
| Home Banking Inactive Fee (non-use for 90 days) | $1.00/month | |
| Payments returned due to member error | $5.00/return | |
| LOAN FEES | Late Payment Fee (All loans) | $35.00 |
| Loan Rewrite due to direct debit cancellation | $25.00 | |
| Home Equity Line of Credit Paid in Full within 3 years | $250.00 | |
| Coupon Book | $3.00/year | |
| Payoff Request by paper form | $25.00 | |
| Modification to Reduce Rate - Consumer Loan | $50.00 | |
| Equity Loan | Actual Fees + $400.00 | |
| Loan Document Fee | Up to $200.00 | |
| Subordination Fee | $150.00 | |
| HELOC Check Fee (when less than stated minimum) | $35.00 | |
| Mortgage Processing Fee | Varies | |
|
Title Insurance for 1st Mortgage Equity Loan Minimum of $125 based on loan balance |
$4/$1,000 |