Fees and Schedules

GENERAL FEES – ALL ACCOUNTS

Paper Statement (Free ages <18 & 65+)
$2.00
Account Closure Fee (0-90 days)
$5.00
Account Research/Reconciliation (Hourly)
$20.00 ($10 minimum)
History Printout
$2.00 per month
ACH/EFT Insufficient Funds
$26.95
ATM Only Card (Per Withdrawal)
$1.50
ACH/EFT Stop Payment (per submission)
$26.95
Dormant Account
$30.00
Bad Address Fee
First Item = $2.00
Additional Months (each) = $1.00
Non JCU / Non CO-OP ATM Fee
First 4 each month = Free
Each Additional = $2.00
Deposit of Foreign Collection Item
$25.00
Non-Member Check Cashing Fee
$3.00
Immediate Coin Processing (Unless Child)
10% of total
Official Statement Copy
$5.00
Safe Deposit Box Rental (Annual)
Contact Branch (Excludes Midvale)
Credit Card Advance from other Financial Institution
$15 per $500
JCU Certified Check: (each)
Member = $1..00
Non-Member = $3.00
Gift Cards
Less than 20 = $3.00 (each)
More than 20 = $2.00 (each)
Stop Payment on a Certified Check
$26.95
Legal Processing Fee
Up to $100.00
Notary Service:
Up to Three Notarizations = Free
Each Additional Notarizations = $10.00
Non-Members = $10.00
ATM Empty Envelope Fee
$30.00
Wire Transfers
Outgoing (Within USA) = $30.00
Outgoing (Foreign) = $45.00
Incoming = Free
Return of Deposited Check or Draft:
Personal = $26.95
Executive Business Checking = $5.00
All Others = $9.95
Inactive Account
Monthly = $2.50
No activity for 18+ months, balance $30 or less, member age 22+, no credit card
 

CHECKING (SHARE DRAFT) ACCOUNTS

Online Bill Pay Access   
Free
Canceled Check Copy – Using Online Banking   
Free
Online Bill Pay Stop Payment     
$26.95
Canceled Check Copy – Using JCU Staff 
$4.95
Courtesy Pay (per covered item)
Deficit >$5  = $4.95
All Other =  $19.95
Advantage Monthly Fee
with Direct Deposit & eStatements = $10.00
with Direct Deposit = $15.00
w/o Direct Deposit = $20.00
Insufficient Funds Check
$26.95

VISA DEBIT & CREDIT CARDS

Visa Debit & Credit Cards Annual Fee
Free
Card Replacement
$5.95
Visa Late Payment – 15 days and Greater (Per Missed Payment)
$25 or 5% (whichever is greater), $35.00 maximum
Card Replacement Rush (Mail)
$35.00

CONSUMER LOANS

Late Payment – 15 days and Greater (Per Missed Payment)
$25.00 or 5% (whichever is greater), $50 maximum
Collection Account Loan Payment Extension
$15.00
Express Loan Application Fee
$20.00
Title Fee
$20.00
Payment Extension
$30.00
Solar & Mortgage Reconveyance Fee
$120.00
Refinance of Existing JCU Loan
Free

REAL ESTATE LOANS – SEE MORTGAGE DEPARTMENT

CERTIFICATE OF DEPOSIT / MONEY MARKET / IRA

CD Early Withdrawal Penalties:
Less than 24 Months = 90 Day Interest
More than 24 Months = 180 Day Interest
Elite MMDA Withdrawals:
First 3 of each month = Free
4 or More = $15.00
IRA Early Withdrawal Penalty
1% or $25.00 (whichever is greater)

DEPOSIT REQUIREMENTS

Elite Money Market Account
$10,001.00
Regular Share Account
$5.00
Money Market Account
$2,501.00
CD’s
$1,000.00

BUSINESS ACCOUNTS

Business Capture Monthly Fee
$25.00
Regulated Business Annual Review
$250.00
Business Capture Monthly Equipment Lease
$15.00
Regulated Business Late Documents (daily/per doc)
25.00

Last updated: Service Charges are not limited to the above listed items. Subject to change. Effective as of 3/16/22.