Fees and Schedules

General Fees - All Accounts

Account Closure Fee (0-90 days) $5.00
Paper Statement (Free ages <18 & 65+)$2.00
Account Research/Reconciliation (Hourly) $20.00 ($10 minimum)
ACH/EFT Insufficient Funds $26.95
ACH/EFT Stop Payment (per submission)$26.95
Bad Address Fee
First Item
Additional Months (each)

Deposit of Foreign Collection Item $25.00
Immediate Coin Processing (Unless Child) 10% of total
Safe Deposit Box Rental (Annual) Contact Branch (Excludes Midvale)
Drilling Fee for Safe Deposit $195.00
JCU Certified Check: (each)

Stop Payment on a Certified Check $26.95
Notary Service:
Up to Three Notarizations
Each Additional Notarizations

Return of Deposited Check or Draft:
Executive Business Checking
All Others

History Printout$2.00
Wire Transfers
Outgoing (Within USA)
Outgoing (Foreign)

ATM Only Card (Per Withdrawal) $1.50
Non JCU / Non CO-OP ATM Fee
First 4 each month
Each Additional

Gift Cards
Less than 20
More than 20

$3.00 (each)
$2.00 (each)
Inactive Account $2.50 (monthly)
Dormant Account$30.00
Non-Member Check Cashing Fee$3.00
Official Statement Copy$5.00
Credit Card Advance from other Financial Institution$15 per $500
Letter of Settlement$10.00
ATM Empty Envelope Fee$30.00

Checking (Share Draft) Accounts

Online Bill Pay Access Free
Online Bill Pay Stop Payment $26.95
Canceled Check Copy - Using JCU Staff $4.95
Canceled Check Copy - Using Online Banking Free
Courtesy Pay (per covered item)
Deficit >$5
All Other

Insufficient Funds Check $26.95
Stop Payment of Check $26.95
Advantage Monthly Fee
with Direct Deposit & eStatements
with Direct Deposit
w/o Direct Deposit

Paper Statement (Free ages: >18 & 65+)$2.00
Cash Back/Reward Checking Monthly Fee Free
Counter Checks ( 4 checks)$2.00
Overdraft Paid from OD Loan or Credit Card$7.95
Executive Business Checking (waived with business loan)$25.00
Negative Balance Fee$19.95

Visa Debit & Credit Cards

Visa Debit & Credit Cards Annual Fee Free
Visa Late Payment - 15 days and Greater (Per Missed Payment) $25 or 5% (whichever is greater), $35.00 maximum
Card Replacement$5.95
Card Replacement Rush (Mail)$25.00

Consumer Loans

Late Payment - 15 days and Greater (Per Missed Payment) $25.00 or 5% (whichever is greater), $50 maximum
Express Loan Application Fee$20.00
Payment Extension $30.00
Refinance of Existing JCU Loan Free
Collection Account Loan Payment Extension$15.00
Title Fee$10.00
Solar & Mortgage Reconveyance Fee$120.00

Real Estate Loans - See Mortgage Department

Certificate of Deposit / Money Market / IRA

CD Early Withdrawal Penalties:
Less than 24 Months
More than 24 Months

90 Day Interest
180 Day Interest
Elite MMDA Withdrawals:
First 3 of each month
4 or More

IRA Early Withdrawal Penalty1% or $25.00 (whichever is greater)

Deposit Requirements

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

Business Accounts

Business Capture Monthly Fee$25.00
Business Capture Monthly Equipment Lease$15.00
Regulated Business Annual Review$100.00
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 10/1/2019.