Personal Accounts Fee Schedule
Launch Account
- Monthly fee: none
Clear Account
- Monthly fee: none with Direct or Mobile Deposit1 or on accounts held by primary owners under age 18; otherwise $5
Encore Account
- Monthly fee: $5 with Direct or Mobile Deposit1 - otherwise $10
Rewards Checking Accounts
- Access
No monthly fee with 4 Qualifying Services or $10,000 average combined balance in deposit and/or loan accounts, or on accounts held by primary owners under age 18; otherwise $5 - Value
No monthly fee with 5 Qualifying Services or $20,000 average combined balance in deposit and/or loan accounts; otherwise $8 - Premium
No monthly fee with 7 Qualifying Services or $30,000 average combined balance in deposit and/or loan accounts; otherwise $10
Campus Package members: Your account is pre-packaged for you to meet any minimum requirements and avoid monthly fees.
Qualifying Services
- Savings
- Checking
- Debit Card1
- Visa® Credit Card1
- Long-term Assets: Money Markets, Certificates, IRAs, College Fund2
- Vehicle Loans
- Home Loans3
- Home Equity Loans4
- Student Loans3
- Reserve Line of Credit and Personal Loans
- Investments
- Paperless Statements3
- Direct Deposit or Mobile Deposit1
- Member 10+ Years3
- Overdraft Transfer Fee from any account or line of credit ($100 increments at the end of the day): $5 each
- Paid Overdraft Fee (Basic Reserve) for checks and ACH items (1 fee per account, per business day): $5 each5
- Stop payment (check or ACH items) (Stop & Misc charge): $29 each
- ACH withdrawals: 30 free per month, $0.50 thereafter
- Personalized printed checks (one free UW Credit Union branded wallet box/year for Premium Checking): Varies
- Paper Statement Fee per envelope: $2
Other Fees or Limitations on Clear, Encore, or Launch Accounts
- Paper statement fee per envelope: $2
- No overdraft service or Basic Reserve available
- No checks written or cleared
- No ATM deposits to Launch or Encore accounts
- No web branch outgoing external money transfers from Launch or Encore accounts
- No monthly fee with 2 Qualifying Services or minimum balance of $1,000, or on accounts held by primary owners under age 18; otherwise $5
- Stop payment on ACH withdrawals (Stop & misc charge): $29 each
- Debit card ATM transactions and purchases: Free, unlimited6
- Rush card and/or PIN order: Varies
- Card replacement:
- Damaged, stolen or expired card: Free
- For more than one lost card per year (Replacement Debit Fee): $5 each
- Investor’s Indexed monthly service charge when balance falls below $10,000 (Service Fee): $15
Trust or Estate Checking Accounts
- No monthly service charge
- Cashier’s check over $1,000 or with Premium Checking is free; otherwise $4 each
- International check exchange fees: Varies
- International draft: $17 each
- Foreign Currency Shipping Cost: Varies
- Money orders with Premium Checking (up to $1,000) is free; otherwise $2 each
- Non-Member Check Cashing Fee: $5 per check
- Returned Mail Fee: $10
- Safe Deposit Boxes:
- Safe deposit boxes and their contents are not insured by NCUA, UW Credit Union or any agency
- 3x5x22”: $35/year
- 3x10x22” or 5x5x22”: $60/year
- 5x10x22”: $85/year
- 10x10x22”: $110/year
- Drill and rekey deposit box (min $150): Varies
- Lost key: $10
- Safe deposit boxes and their contents are not insured by NCUA, UW Credit Union or any agency
- Web Branch, Zelle®, & Standard incoming external transfers: Free
- Web Branch Standard outgoing external transfers: $2
- Web Branch Express incoming and outgoing external transfers: $10
Note: Fees from other financial institutions may apply to the services listed below.
- Incoming wires: $15
- Outgoing domestic wires: $20
- Outgoing international wires: Varies
Online Banking (through Web Branch)
- Mobile Banking: Free7
- Mobile Deposit: Free7
- Text Banking: Free7
- Web Pay: Free
- Money Management Tools: Free