912 N Archer Ave Norton, KS 67654(785) 877-5191 Branch 117 S. Penn, Oberlin, KS 67749 (785) 475-2322
United Northwest Federal Credit Union
United Northwest Federal Credit Union
   
     
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Membership in this Credit Union is open to individuals who are included in the field of membership as defined in the bylaws. No member will be denied any service of this Credit Union due to discrimination because of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into a binding contract).

 

Work or Reside in the Following Counties :

  • Norton
  • Decatur
  • Rawlins

United Northwest Federal Credit Union
*Effective May 1, 2017
Fees & Service Charges
*The following fees may be assessed on your account
Share / Savings Account Fees
Minimum deposit required to open a share account $50.00
Quarterly Maintenance fee (If savings balance falls below required amount within the quarter) $1.00
Early close Fee (Accounts open and closed in less than a year) $15.00
Account re-open Fee (Accounts closed and re-opened within 3 months) $5.00
Negative Balance Fee (Lowering savings account below required amount - per occurance) $5.00
ShareDraft / Checking Account Fees
Monthly Maintenance fee for regular checking (If balance falls below $200.00 within the month) $2.00
***Exempt from fee if statements are received electronically Free
Money market monthly maintenance fee (If balance falls below $2,500.00 within the month) $5.00
Research or Reconcile Account(s) (per hour with 1 hour minimum) $20.00
Monthly Check Images (included with monthly checking statement at your request) per month charge $5.00
Check Copy Fee (per check) $2.00
Duplicate Statement (If statement is mailed the fee is per page - if picked up in office there is no charge) $2.00
Statement on closed account (per month) $5.00
Insufficient Funds Fee - If Account is allowed to go overdrawn (at our discretion) up to $500.00  $25.00
Insufficient Funds Fee on Large Item (Over $500.00)  $30.00
Large Item Daily Fee (If large nsf item isnt covered within 3 banking days - charges daily until covered) $10.00
ACH and Draft Insufficient Funds Return Fee $25.00
*PLEASE NOTE UNWFCU reserves the right to transfer funds from your share account to cover Drafts ACH's & charges
Replacement Debit Card sent via Mail $2.00
Replacement Debit Card printed in office $6.00
Temporary Check Fee (per sheet - 4 checks per sheet) First 2 sheets free with new account $2.00
General Fees
Dormant Account Fee (Account inactive with no contact from member for 4 years) - Charged Monthly $10.00
Deposited/Cashed Check returned to member unpaid $10.00
Check Cashing Fee (Non member cashing a check through a member account) per check $10.00
Stop Pay Fee (Check or ACH) $15.00
Collection Fee (Any item sent to attorneys for Collection)  $5.00
Garnishment/Levy Fee $15.00
Mail returned to CU with Post Office Change of Address (per envelope) $1.50
Loan Payment Return Fee (Any payment applied via Check or ACH that is returned to CU unpaid) $25.00
 
Other Service Charges/Fees (Must have an active account in good standing)
Money Orders $2.00
Cashier's Checks $3.00
CU Check from members account made payable to a third party $2.00
Gift Card Activation Fee $2.50
Travel Card Activation Fee $6.00
Online Bill Pay Fee (per month) $2.00
Fax - incoming or outgoing (per page) $1.00
Wire Transfer Fee (To wire money to another institution) $15.00
Incoming Wire Fee (To receive a wire from another institution) $5.00
Credit Union to Credit Union Transfer $5.00
ACH Origination Set-up Fee (Electronic transfer between institutions - one time occurance)  $5.00
ACH Origination Fee (Recurring electronic transfer between institutions - per occurance fee) $1.00
***Loan Payments that are set up as an ACH Origination are exempt from Fee!** Free
Member Coin Rolling Fee (Percentage of total amount rolled)  3%
Non Member Coin Rolling Fee (percentage of total amount rolled) 10%
Telephone Inquiries Free
Direct Deposit Free
Notary Service for Members Free

 

 

NCUA America's Credit Unions Legacy Member Services Equal Housing Lender

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