Schedule of Fees
Effective 10/31/2025
| Bad Address | $5.00 per month |
| Business Checking Bulk Deposits - 30 items or more | $4.50 |
| Business Checking Cash Service Fee | $5.00 per order |
Business Checking Monthly Service Charge *Waived if average daily balance is > $2,500 |
$10.00 |
| Check Copies | $2.00 |
| Collection Items | Determined by receiving institution |
Overdraft (Convenience Pay) Fees: Paid items of $5.00 or less Paid items of $5.01 or more |
$10.00 $29.00 |
| Dormant Account under $300 (inactive 12 months) | $10.00 per month |
| Escheatment | up to $50.00 |
Monthly Savings Fee *Applies if 25 or older, no loan and aggregate average daily balance of all share accounts is <$300 |
$5.00 |
Monthly Paper Statement Fee (eStatements are free) *Waived for members under 18 and over 65 |
$2.50 |
| Return Item Non-Sufficient Funds (NSF) per presentment | $29.00 |
| Overdraft Transfer Fee | $4.00 per occurrence |
| Overdraft Transfer from Line of Credit | No Charge |
| Returned Deposit Item Fee (Check or ACH) | $29.00 |
| Stop Payment | $29.00 |
Temporary Checks (8 checks) *Free with check reorder |
$1.50 |
| Uncollected Funds | $29.00 |
Plus Account: Maintenance Fee* Account Closure Fee < 1 Year Account Closure Fee > 1 Year |
$50.00 $250.00 $50.00 |
Premium Account: Maintenance Fee* Account Closure Fee < 1 Year Account Closure Fee > 1 Year |
$75.00 $500.00 $75.00 |
Premier and Platinum Accounts: Maintenance Fee* Account Closure Fee < 1 Year Account Closure Fee > 1 Year |
$100.00 $1,000.00 $100.00 |
| * Maintenance Fee waived if minimum balance requirement is maintained, and/or withdrawals do not exceed 3/month | |
| Late Payment Fee - Auto and personal loans only | $30.00 |
| Loan Skip-a-Pay | $35.00 |
| Returned Loan Payment | $29.00 |
| Visa Monthly Paper Statement Fee | $1.25 |
| * Consumer loans only. For applicable Credit Card fees, please refer to the Credit Card disclosure on our website. Applicable home loan fees will be provided at the time of application. | |
| Check Cashing for Non-Members | $5.00 per check |
| Interim Statement | $2.00 |
| Levy/Garnishment | $50.00 |
| Money Orders (Maximum value $1,500) | $2.00 |
Notary Service Non-Members |
No Charge $10.00 |
| Official Checks | $3.00 |
| Research/Reconciliation Fee | $20.00/hour |
| Statement Copy | $1.25 |
| IRA Rollover Transfer | $40.00 |
Staff-Assisted Payments via the Payment Portal from a Non-USF CU Account Phone Payment (per transaction) Recurring ACH payments (per transaction) |
$5.00 |
Online Payment via the Payment Portal from Non-USF CU Account One-time payment (per transaction) Recurring payments (per transaction) |
$5.00 No Charge |
| USF CU or Surcharge-Free Network ATMs | No Charge |
Non-USF CU/Non-Network ATMs Withdrawal |
$1.50 |
| Non-member transactions | $2.50 |
| Card Replacement/Capture Fee | $5.00 |
| Expedited Card Delivery Fee | Varies |
| Foreign Transaction Fee* | Up to 1.00% of U.S. transaction amount |
| *Foreign transactions include internet transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. | |
| Incoming Wires | $10.00 |
| International Wire Trace | $25.00 |
| Outgoing Wire Transfer - Domestic | $20.00 |
| Outgoing Wire Transfer - International | $60.00 |
| 3x5 | $30.00 per year |
| 3x10 | $50.00 per year |
| 5x10 | $65.00 per year |
| 10x10 | $90.00 per year |
| Replacement Key | $20.00 |
| Late Fee | $10.00 |
| Drill Fee | $125.00 |