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Fee Schedule
Effective Date: October 1, 2010
This Fee Schedule is a part of the Rate Schedule and Truth in Savings disclosure.
Minimum opening deposit of $5 to Prime Share, Business Prime Share, IRA, Coverdell ESA or HSA Prime Share is required for Membership
DESCRIPTION FEE ADDITIONAL INFORMATION
Unitus Deposit Accounts and Services
Unitus Rewards Checking No monthly service fee Earns Unitus Rewards Points & earns interest
Personal Free Checking No monthly service fee
$7.50 per month if $500 minimum daily balance is not
Personal Interest Checking No monthly service fee
maintained
Optima Interest Checking No monthly service fee For members age 50 or better
$5 per month with payroll direct deposit; $10 per
Right Choice Checking $250 minimum for each payroll direct deposit
month without payroll direct deposit
HSA Maintenance Fee $2.50 per month
No monthly service fee if account balance
Personal Money Market Account $5 per month if average balance is below $2,500
minimums met
Up to six (6) checks per statement cycle allowed
Money Market Account Excess Transaction Fee $10 per item
without fee
Automatic transfer from other Unitus accounts to
Overdraft Transfer Service No fee
cover purchases
NSF (non-sufficient funds) $26 per item
Check Protect Fee $26 per item
Stop Payment Request $26 per item
Online Banking No monthly service fee
$10 fee is assessed if no bills have been paid within
Online Bill Pay No monthly service fee
the past 30 days
Allows you to build and manage your budget and
Total Finance $2 per month
financial goals while tracking spending activity
Bill Payment Stop Payment Fee $26 per item
Bill Payment Check Copy Fee No Fee
Free access to Unitus ATMs and the nationwide
ATM Withdrawal $1 at non-Unitus and non-CO-OP ATMs
network of CO-OP ATMs
ATM Deposit Adjustment $15 per reconciliation
Includes paper check and ACH deposits that are
Deposited Item Return Fee $8 per item
returned
Inactive Account Fee $5 per month after 19 months of inactivity
Unitus Business Accounts and Services
Basic Business Checking No monthly service fee
No monthly service fee if account balance $10 per month if minimum daily balance falls below
Business Interest Checking
minimums met $3,000
No monthly service fee if account balance $5 per month if minimum daily balance falls below
Business Money Market Account
minimums met $10,000
Basic Business Checking: First 75 free, 15¢ per
additional item
Fee for Checks Written (Monthly) Applies to Business Checking accounts only
Business Interest Checking: First 150 free, 15¢ per
additional item
Basic Business Checking: First 75 free, 15¢ per
additional item
Fee for Checks Deposited (Monthly) Applies to Business Checking accounts only
Business Interest Checking: First 150 free, 15¢ per
additional item
Basic Business Checking: First $5,000 free, 10¢
Fee for Cash Deposited and/or Purchased - per additional $100
Applies to Business Checking accounts only
Combined Total (Monthly) Business Interest Checking: First $10,000 free,
10¢ per additional $100
Coin Purchased Fee (Monthly) 10¢ per roll Applies to Business Checking accounts only
Lending Account Fees
Consumer Loan Modification Fee $95 Per occurrence (max 2 per year)
Real Estate Loan Modification Fee 1st Mortgage Loan $595, Equity Loan $295 Per occurrence (max 2 per year); excludes sold loans
Assessed at 10 days past due (5 days past due for
Consumer Loan/Equity Loan Late Payment 5% of payment due or $20, whichever is greater
Advance Loans)
Credit Card Late Payment $20 Assessed at 10 days past due
CUDL Loan Late Payment 5% of payment due Assessed at 10 days past due
Website: Phone: Mailing Address:
www.unitusccu.com (503) 227-5571 PO Box 1937
(800) 452-0900 Portland OR 97207
Fee Schedule
Effective Date: October 1, 2010
Lending Account Fees, Continued
Business Loan Late Payment 5% of payment due or $20, whichever is greater Assessed at 10 days past due
First Mortgage Loan Late Payment 5% of payment due Assessed at 15 days past due
Home Equity Loan Origination [Finance Charge] $295 Assessed at account opening
Home Equity Loan Early Termination Fee Applies to equity loans terminated within the first 24
$250
Applies to loans originated prior to 10/23/08 months
Real Estate Subordinations $95
Reconveyance Fee $80
Digital Loan Document Delivery Fee Current Third Party Cost Secured document delivery – e-signature
Overnight Document Delivery Charge Current Third Party Cost
Contract Collection Fee $3 per transaction
Skip Pay/Loan Extension Fee $25 Applies to fixed-rate consumer & equity loans only
Credit Over-limit No Fee
Other Service Fees
Wire Transfer Incoming wires: No Fee, Outgoing Domestic: $15, Outgoing International: $40
Visa Prepaid Card $5 per card, $1.25 per reload
Stolen, Damaged, or Lost Card Replacement Fee No Fee
Domestic: 1% of amount, free for Optima Club members, Cheques for Two: 2% of the amount,
Traveler’s Cheques
up to $500, Foreign Cheques: Call for Quote
Gift Cheques $2.50 per check
Cashier’s Checks $2 per check for Members (free for Heritage members), $10 per check for non-members
Express Check $2 per check
Visa Foreign Currency Exchange/Conversion 1% of transaction amount
Foreign Exchange Service Fee $5 per Canadian check or currency type, $8 per non-Canadian check or currency type
Collection Item Processing $20 per item
Payment by Phone $12 per payment made by phone
Copy of Share Draft, Deposit/Withdrawal Item or Receipt No Fee
Statement Copy $2 per copy
Copy of Unitus Corporate Check $2.50 per copy
Shared Branch Adjustment $11.50 per reconciliation
Returned Mail Fee $11 per item
Check Cashing Fee $5 fee per transaction if a Prime Share savings is the only service held with the Credit Union
Legal Action Processing Fee (garnishment, levy, etc.) $30 per action
Account Reconciliation/Research $35/hour
Safe Deposit Box Fees
Rental Fee 3 x 5 $25 per year
Rental Fee 3 x 10 $40 per year
Rental Fee 4 x 10 $50 per year
Rental Fee 5 x 10 $70 per year
Rental Fee 10 x 10 $100 per year
Drilling Box or Change Locks Market Cost
Website: Phone: Mailing Address:
www.unitusccu.com (503) 227-5571 PO Box 1937
(800) 452-0900 Portland OR 97207
