Fee Schedule

Checking Account

  • Minimum Balance Fee:

    • $5 monthly service charge on Fresh Start, Checking Plus, & Money Market accounts if minimum balance is not met

    • $10 monthly service charge on Premium Checking account if minimum balance is not met

  • Stop Payment Fee: $27 per request

  • Check Copy Fee: $5 per copy

  • NSF (Draft and ACH) Fee: $28.50 per item (for each submission / re-submission)

  • Returned Item Deposit Collection: $15 per item

  • CU Checks Payable to 3rd Party: $3

  • CU Checks Stop Payment: $27 each

  • Overdraft Transfer From Share or Loan: $4 each

Savings Account

  • Transaction Fee: $5 per withdrawal for any withdrawal in excess of two (2) per month

  • Monthly Inactive Fee: $5 per month after twelve (12) months

Christmas Club

  • Transaction Fee: $10 per withdrawal

    • All saved Christmas Club funds will be transferred to the share account of your choosing on October 1st.

Vacation Club

  • Transaction Fee: $10 per withdrawal for any withdrawal in excess of two (2) per calendar year

Wire

  • Incoming Wire: $10 per transfer

  • Outgoing Wire Domestic: $25 per transfer

  • Outgoing Wire Foreign: $45 per transfer

Statements and Closure

  • Paper Statement Mailed Fee: $2.00 per statement

  • Statement Copy Fee: $5 per copy

  • Account Closure Fee: $25 within 90 days of opening

  • Account Closure Fee: $5 after 90 days of opening

  • Early Closure on Club Accounts: $10

Miscellaneous

  • ATM Foreign Transaction Fee: $2 each

  • Check to Merchants: $25

  • Check Mailed From Account: $1

  • Card Replacement Fee: $10

  • Money Order: $2

  • ProPay Loan Payment (One Time): $7.95 per transaction

  • ProPay Loan Payment (Recurring): $4.95 per transaction

  • Researching & Reconciling Checkbook Register: $25 per hour (1 hour minimum)

  • Business Checking - Excessive items deposited: $25 per transaction (100 items or more deposited after 4:00PM)

  • Debt Collection Payment Draft Account - Account withdrawal fee: $10 per withdrawal

Filing a Complaint

Upstate Federal Credit Union treats all individuals fairly, respectfully, and equally. We believe in fostering an inclusive environment where discrimination has no place. If you ever have concerns about your experience, please reach out. NCUA regulates Federal Credit Unions to ensure our members' fair and respectful treatment. If you believe that UFCU has engaged in unlawful discrimination, you can initiate a civil rights complaint with NCUA by contacting them at 1-800-755-1030.