Fee Schedule

Effective August 11, 2020

Bill Pay

Account to Account Transfers (Fee disclosed prior to
sending funds.)
Varies
Person to Person Transfers (Fee disclosed prior to
sending funds.)
Varies
   

Cards

Card payment by phone $15.00 Per Transaction
CO-OP ATM Withdrawals (Fees may be assessed by
ATM owner, not WCU.)
$0.00 Per Withdrawal
Gift Cards (Other card fees apply and disclosed with
purchase)
$4.00 Per Card
Non-CO-OP ATM withdrawals $2.50 Per Transaction
Replacement Card Fee $10.00 Per Card
Travel Cards (Other card fees apply and disclosed
with purchase)
$5.00 Per Card
Visa Card Rush Replacement $50.00 Per Card
   

Checking Account

Classic & Go Green Checking Account Free
Premier Checking Account (If balance falls below
$1,000 during the month.)
$10.00 Monthly
Fresh Start Checking Account $5.00 Monthly
Senior Checking (Age 60 and over w/direct dep) $0.00 Monthly
Share Club Account $10.00 Monthly
Share Club Senior (Age 60 and over) $8.00 Monthly
   

Check/Draft

Cashier's Check $3.00 Per Check
Check Orders Varies
Temporary Checks $2.00 for 4 Checks
   

Copies

Check Copy from deposit $5.00 Per Item
Check/Draft Copy $3.00 Per Item
Credit Card Statement Copy $5.00 Per Copy
History Copy $3.00 Per Copy
Photocopy $1.00 Per Page
Statement $3.00 Per Page
   

Overdraft

Overdraft/NSF Fee $35.00 Per Overdraft
Overdraft Transfer Free
   

Safe Deposit Boxes

3” x 5” Box $35.00 Annually
3” x 10” Box $50.00 Annually
5” x 10” Box $60.00 Annually
10” x 10” $85.00 Annually
   

Services

Account Closure (w/in 90 days) $10.00 Per Account
Account Research/Balancing/Bill Pay (min 1 hr) $45.00 Per Hour
CarFax $20.00 Per Item
Collection (Domestic/Foreign) $50.00 Per Collection
Consumer Loan Interest Rate Modification $75.00 Per Modification
Deposit Adjustment (ATM, RDC, etc.) $5.00 Per Item
Deposit Adjustment at non-WCU location $10.00 Per Item
Dormant Account (12 mos inactivity) $10.00 Monthly
Fax Transmission (Incoming/Outgoing)  $1.00 Per Page 
Fax Transmission Foreign $7.00 Per Page
Foreign Currency $7.00 Per Order
Foreign Currency Next Day Delivery $17.00 Per Order
Foreign Currency Overnight Delivery $20.00 Per Order
Holiday Club Early Withdrawal $2.00 Per Withdrawal
IRA/HSA Account Closure (External transfer) $30.00 Per Closure
IRA/HSA Account Closure (w/in 180 days) $25.00 Per Closure
Legal Process Fee (Garnishment/Levy) $125.00 Per Item
Line of Credit Annual Fee $35.00 Annually
Line of Credit Over the Limit Fee $35.00 Per Item
Low Balance Fee (Single service accounts < $300 during
the month. Does not apply to 17 and under and 65 and over
years of age)
$5.00 Per Month
Mortgage Verification/Payoff Statement $30.00 Per Request
Returned Deposited Check $15.00 Per Check
Returned Deposited Check by Account Owner $30.00 Per Check
Returned/Dishonored ACH $30 Per Item
Rush Title $30.00 Per Item
Skip-A-Payment $40 Per Skip
Stop Payment (includes ACH, Bill Pay) $30.00 Per Item
Subordination Agreement $250.00 Per Item
Unclaimed Property Notices $15.00 Per Item
Unclaimed Property Processing Fee $25.00 Per Item
Undeliverable Mail Fee $10.00 Per Item
   

Wires

Intl. Wire Research or Tracking $45.00 Per Item
   
   

Summary of Changes to Account Agreement and Disclosures 2018

Funds Availability Policy
Section 1- General Policy
Added to end of section: Interactive Teller Machines (ITMs): When the ITM is staffed, deposits are being made at a staffed facility. When the ITM is not staffed, deposits are being made at an ATM. The funds will be made available according to the General Policy.
Membership & Account Agreement
Section 8a. Endorsements
Added to end of paragraph: For mobile deposits, we may refuse checks lacking a restrictive endorsement, such as “for mobile deposit
only”.

Section 26. Inactive Accounts
Deleted from first sentence: “your account falls below any minimum balance”. Minimum balance is not needed along with inactivity for
specified period for account to be classified as inactive or dormant.

4th sentence was deleted: You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To
the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account
statements.

Section 29. Termination of membership
Added to end of paragraph: A member who fails to complete payment of one share within 3 months of admission to membership,
or within 3 months from the increase in the par value of shares or a member who reduces the share balance below the par value of
one share, either through voluntary withdrawal of funds or through involuntary assessment of fees and charges, and does not increase the
balance to at least the par value of one share within 3 months of the reduction will be terminated from membership.

Electronic Funds Transfer
Section 1. EFT Services, b. Debit Card
Added to end of section: Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to
your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information
(such as card number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced
or card information changes, you authorize us, without obligation on our part, to provide the updated card information to the merchant in
order to permit the merchant to bill recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify
us that you have revoked authorization for the charges to your card.

Your card is automatically enrolled in an information updating service. Through this service, your updated card information (such as card
number and expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not
guaranteed before your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume.
To revoke your authorization allowing us to provide updated card information to a merchant, please contact us.

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