Transaction Accounts

Transaction Accounts

Transaction AccountsChecking (Draft) AccountsMoney Market
Union e-Express CheckingUnion Select CheckingUnion Advantage CheckingUnion Pride CheckingUnion Advantage Money Market AccountUnion Pride Preferred Money Market Account
Minimum Balance to Open $100.00 $100.00 $100.00 $1,000.00 $1,000.00 $10,000.00
Monthly Maintenance Fee $5.00 $8.00 $12.00 $18.00 $15.00 $25.00
Minimum Balance to Avoid Monthly Maintenance Fee N/A $500.00 $2,500.00 $5,000.00 $7,500.00 $15,000.00
Other Ways to Wave Monthly Maintenance Fee E-Statements N/A N/A Be a Retiree N/A Be aRetiree
Direct Deposit
Earns Dividends No No Yes Yes Yes Yes
Minimum Balance to Earn Dividends N/A N/A $100.00 $100.00 $100.00 $5,000.00
Courtesy Overdraft Available Yes Yes Yes Yes Yes Yes
Overdraft Transfer Available Yes Yes Yes Yes Yes Yes
Excessive Withdrawal Fee (Withdrawals over 3) Unlimited Unlimited Unlimited Unlimited $5.00 $5.00
Check Writing No Unlimited Unlimited Unlimited 3 Checks Per Cycle 3 Checks Per Cycle
Paper or Electronic Check Charge (Per Item) $1.50 No Charge No Charge No Charge No Charge No Charge
 
Account Activity Printout (Out of Cycle) $2.00 $2.00 $2.00 No Charge $2.00 $2.00
Account Research (per hour) [One hour minimum] $20.00 $20.00 $20.00 No Charge $20.00 $20.00
Telephone Balance Inquiry $2.00 $2.00 No Charge No Charge $2.00 No Charge
Cashier's Check $10.00 $10.00 $5.00 No Charge $10.00 No Charge
Cashier's Check Replacement Fee $25.00 $25.00 $25.00 $25.00 $25.00 $25.00
Check Copies (per item) $3.00 $3.00 $3.00 No Charge N/A N/A
Check Mailing Fee (Per mailed item) $1.00 $1.00 $1.00 No Charge $1.00 $1.00
Check Printing Not Available Varies Varies No Charge Varies No Charge
Copy of Credit Union Issued Check $5.00 $5.00 $5.00 $5.00 $5.00 $5.00
Copy of Issued Statement $5.00 $5.00 $5.00 No Charge $5.00 $5.00
Courtesy Overdraft Fee (if utilized) $25.00 $25.00 $25.00 $25.00 $25.00 $25.00
Credit Union Over-the-Counter Issued Check $1.00 $1.00 No Charge No Charge $1.00 No Charge
Debit Card Replacement Fee $5.00 $5.00 $5.00 No Charge N/A N/A
Domestic Wire Transfer - Incoming $10.00 $10.00 $10.00 $10.00 $10.00 $10.00
Domestic Wire Transfer - Outgoing $25.00 $25.00 $25.00 $25.00 $25.00 $25.00
Dormant Account (Charged Prior to Account Closing) $10.00 $10.00 $10.00 $10.00 $10.00 $10.00
Early Account Closure (within 180 Days) $25.00 $25.00 $25.00 $35.00 $25.00 $35.00
Legal Order Processing (i.e., Garnishments, Levies & Liens) $25.00 $25.00 $25.00 $25.00 $25.00 $25.00
Money Orders (up to $1,000.00) $3.00 $3.00 No Charge No Charge $3.00 No Charge
Non-Sufficient Funds - Overdraft (Per Paid Item) $25.00 $25.00 First 3 Wavied Annually First 3 Wavied Annually $25.00 $25.00
Non-Sufficient Funds - Return (Per Returned Item) $15.00 $15.00 First 3 Wavied Annually First 3 Wavied Annually $15.00 $15.00
Non-Sufficient Funds (ACH) - Overdraft (Per Paid Item) $25.00 $25.00 First 3 Wavied Annually First 3 Wavied Annually $25.00 $25.00
Non-Sufficient Funds (ACH) - Return (Per Returned Item) $15.00 $15.00 First 3 Wavied Annually First 3 Wavied Annually $15.00 $15.00
Overdraft Protection Transfer $5.00 $5.00 $5.00 No Charge $5.00 $5.00
Paper Statements $3.50 $3.50 $3.50 No Charge $3.50 No Charge
Reopen Existing Account $25.00 $25.00 $25.00 $25.00 $25.00 $25.00
Returned Deposit Item $10.00 $10.00 $10.00 $10.00 $10.00 $10.00
Returned Deposit Item (Drawn on Members own Account) $25.00 $25.00 $25.00 $25.00 $25.00 $25.00
Returned Mail Processing (Per returned item) $3.00 $3.00 $3.00 $3.00 $3.00 $3.00
Statement Balancing (per hour) [One hour Minimum] $20.00 $20.00 $20.00 No Charge $20.00 $20.00
Stop Payment Order $15.00 $15.00 $15.00 First 3 Waived Annually $15.00 First 3 Waived Annually

Non-Transaction Accounts

Non-Transaction Accounts

Non-Transaction AccountsSavings AccountsClub Accounts
Regular SharesFamily Savings PlanMinor By SavingsChristmas (Holiday) Club Account6 Month Vacation Club Account12 Month Vacation Club Account
Minimum Balance to Open $25.00 $25.00 $5.00 $25.00 $25.00 $25.00
Monthly Maintenance Fee $3.00 $3.00 No Charge No Charge No Charge No Charge
Minimum Balance to Avoid Monthly Maintenance Fee $25.00 $100.00 N/A N/A N/A N/A
Other Ways to Waive Monthly Maintenance Fee E-Statements E-Statements N/A N/A N/A N/A
Direct Deposit Direct Deposit
Earns Dividends Yes Yes Yes Yes Yes Yes
Minimum Balance to Earn Dividends $25.00 $100.00 $0.01 $25.00 $50.00 $100.00
Courtesy Overdraft Available Yes Yes No No No No
Overdraft Transfer Available Yes Yes No No No No
Early Withdrawal Fee [Club Accounts] N/A N/A N/A $10.00 $10.00 $10.00
Excessive Withdrawal Fee (Withdrawals over 3) $5.00 $5.00 $1.00 $5.00 $5.00 $5.00
Check Writing No No No N/A N/A N/A
Per Paper Check Charge (After 3) N/A N/A N/A N/A N/A N/A
 
Account Activity Printout (Out of Cycle) $2.00 $2.00 No Charge $2.00 $2.00 $2.00
Account Research (per hour) [One hour minimum] $20.00 $20.00 $5.00 $20.00 $20.00 $20.00
Telephone Balance Inquiry $2.00 $2.00 No Charge $2.00 $2.00 $2.00
Cashier's Check $10.00 $10.00 $10.00 N/A N/A N/A
Cashier's Check Replacement Fee $25.00 $25.00 $25.00 $25.00 $25.00 $25.00
Check Copies (per item) N/A N/A N/A N/A N/A N/A
Check Mailing Fee (Per mailed item) $1.00 $1.00 N/A $1.00 $1.00 $1.00
Check Printing N/A N/A N/A N/A N/A N/A
Copy of Credit Union Issued Check $5.00 $5.00 $5.00 $5.00 $5.00 $5.00
Copy of Issued Statement $5.00 $5.00 $1.50 $5.00 $5.00 $5.00
Courtesy Overdraft Fee (if utilized) N/A N/A N/A N/A N/A N/A
Credit Union Over-the-Counter Issued Check No Charge No Charge No Charge N/A N/A N/A
Debit Card Replacement Fee N/A N/A N/A N/A N/A N/A
Domestic Wire Transfer - Incoming $10.00 $10.00 N/A $10.00 $10.00 $10.00
Domestic Wire Transfer - Outgoing $25.00 $25.00 N/A $25.00 $25.00 $25.00
Dormant Account (Charged Prior to Account Closing) $10.00 $10.00 $5.00 $10.00 $10.00 $10.00
Early Account Closure (within 180 Days)/(Before Maturity) $10.00 $10.00 $5.00 $25.00 $15.00 $25.00
Legal Order Processing (i.e., Garnishments, Levies & Liens) $25.00 $25.00 $25.00 $25.00 $25.00 $25.00
Money Orders (up to $1,000.00) $3.00 $3.00 N/A N/A N/A N/A
Non-Sufficient Funds - Overdraft (Per Paid Item) N/A N/A N/A N/A N/A N/A
Non-Sufficient Funds - Return (Per Returned Item) N/A N/A N/A N/A N/A N/A
Non-Sufficient Funds (ACH) - Overdraft (Per Paid Item) N/A N/A N/A N/A N/A N/A
Non-Sufficient Funds (ACH) - Return (Per Returned Item) N/A N/A N/A N/A N/A N/A
Overdraft Protection Transfer $5.00 $5.00 $5.00 N/A N/A N/A
Paper Statements $3.50 $3.50 No Charge $3.50 $3.50 $3.50
Reopen Existing Account $10.00 $10.00 $5.00 $10.00 $10.00 $10.00
Returned Deposit Item $10.00 $10.00 $10.00 $10.00 $10.00 $10.00
Returned Deposit Item (Drawn on Members own Account) $25.00 $25.00 $25.00 $25.00 $25.00 $25.00
Returned Mail Processing (Per returned item) $3.00 $3.00 $3.00 $3.00 $3.00 $3.00
Statement Balancing (per hour) [One hour Minimum] $20.00 $20.00 $10.00 $20.00 $20.00 $20.00
Stop Payment Order $15.00 $15.00 $15.00 $15.00 $15.00 $15.00