Credit Union Fees: How to Avoid a Fee
It is our goal for you to keep as much of your money in your pocket as possible. Below are some tips on how to avoid getting fees so you can save more.
Share Account Fees
| Description | Fee | How to Avoid or Reduce the Fee |
|---|---|---|
| Dormant Account (no activity for 12 months) | $3 per month | Transact some type of business, such as making a deposit to the account, to keep it active. Consolidate accounts. |
Checking Account Fees
| Description | Fee | How to Avoid or Reduce the Fee |
|---|---|---|
| AchieveOne Money Market | $15 per month | Maintain a minimum daily balance of $25,000 in this account. |
| Dividend Checking | $7 per month | Maintain a minimum daily balance of $1,000 in this account. |
| Checking | $5 per month | Maintain a total daily balance of $500 between all deposits under the same account number or have direct deposit to the checking account. |
| NSF (Non-Sufficient Funds) | $28 | Monitor your account closely with a balance Alert in Digital Banking. Arrange Overdraft Protection with our Kwik Cash Line of Credit. |
Other Service Fees
| Description | Fee | How to Avoid or Reduce the Fee |
|---|---|---|
| Account Research/Reconciliation | $25 per hour | Look to Digital Banking and E-statements for account history when possible. Archive your E-Statements. |
| Bill Payer Inactivity Fee | $6 after 60 days of non-usage | Use Bill Payer to pay at least one bill each month. |
| Cashier's Check/Money Order | $3 per item | Ask about the benefits of a UnitedOne checking account. |
| Copies of Paid Checks, Statements & Account Activity | $6 per item | Free using Digital Banking and E-statements. Archive your E-statements. |
| Line of Credit Transfer to Cover Overdrafts | $5 per transfer | Free with Digital Banking or Touch Tone Teller when you make the transfer yourself. |
| Bad Address | $7 per occurrence | Please notify us when you move to update your address. Update your email address using Digital Banking. |
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