Fee Structure

The Western Illinois Credit Union is a not-for-profit cooperative owned by its members. The intent of fees being charged for services is to help recoup costs the credit union pays for the services offered. If you have any questions, please contact us. All fees Effective August 15, 2010

Share Accounts

• Bad address fee – $7.50
  Bad Address fee is charged every quarter a statement is returned to the credit union due to a bad address.
• Transfer fee – $5.00 per transfer-Fee is charged when a member has automatic transfers from the primary share account to clear share draft checks, atm transactions, or ACH transactions
• Statement Copy: $1.00
  Statement Copy fee is charged when a copy of a statement is requested or current months transactions are printed out.

Share Draft (Checking) Accounts

• Courtesy Pay Fee-charged when account is overdrawn under the provision of the courtesy pay program-$25.00
• Monthly Maintenance Fee – None Charge
• NSF(Checks, ATM, Debit, ACH) – $30.00 each -
  NSF fee is charged each time an item attempts to clear but funds are not sufficient to pay it or the courtesy pay option is exceeded.
• Return Charge for Deposit Item – $25.00 each
  Fee is charged each time an item is deposited but does not clear due to insufficient funds or any other reason.
• Copy of Draft (check) – $10.00 each
• Stop Payment – $15.00 each
• Debit/ATM Reinstatement Fee-charged when card was caneled due to misuse – $25.00

Debit / ATM Replacement Card – $5.00
Fee is only charged when a card is replaced for any reason.

P.I.N. Replacement – fee charged for a replacement PIN or if a reminder is requested – $5.00 each

ATM Transactions using WICU’s ATM machine – No Charge

Using Foreign ATM Machines – $1.00 to $5.00 charged by the owning financial institution.

Miscellaneous Fees

• Credit Union Check payable to two parties without the members name on it – $5.00
• Money Orders – $1.00 per money order – Max amount per money order: $1,000.
• ACH Non-recurring Origination – fee charged for each non-recurring ACH origination item – $15.00
• Western Union Wire Transfers – $25.00 within U.S.
• Western Union International Wire Transfers – $50.00
• Bank to Bank Wire Transfers – $25.00 within U.S.
• International Bank to Bank Wire Transfers – $50.00
• VISA CU Travel Card – $6.00 Re-loadable
• Micro-Fiche Copies/Electronic Copies – $10.00 plus standard research fees
• Notary Public – No Charge for members
• Faxing Service – fee charged $10.00 first sheet and $2.00 for each additional sheet
• Levy/Garnishment on Accounts – $25.00 each
• VISA Gift Cards – $4.00 each
• Account Research Fee – $10.00 per hour – fee is charged when research is requested by the member.

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