General Charges
Description
FEE
| Return Item Fee (Personal Check/ACH Origination/Unauthorized or Revoked Bank-to-Bank Transfer/Return Deposit Item NSF Fee) | $28.00 per item |
| Unauthorized or Revoked ACH Origination – Member Generated | $25.00 per item |
| Overdraft Fee (Overdraft Privilege/Negative Balance Fee) (fee waived for overdrafts of $5 or less) | $25.00 per item |
| Bank-to-Bank Transfer (one-time or recurring) loan payment to another institution from a United Texas account | $10.00 |
| Stop Payment or Postdated Item | $25.00 per item |
| Returned Deposit Item Fee (two-party checks) | $5.00 per item |
| Collection Item (out of state or foreign) | $25.00 per item |
| Cash Withdrawal from Foreign-Owned ATM | $1.50 per withdrawal |
| Balance Inquiry from Foreign-Owned ATM | $1.50 per inquiry |
| Merchant/NSF Collection Fee | $20.00 per item |
| Levy/Garnishment Processing Fee | $25.00 |
| United Texas Loan Payment via Credit Card or Loan Payment Center | $8.50 per payment |
| Wire Transfer (U.S. outgoing only) | $20.00 per item |
| Credit Union Teller Check (any amount) | $3.00 per check* |
| Credit Union Teller Check (non-member) | $6.00 per check |
| Temporary Checks (set of four) | $1.00 per set |
| Money Order | $2.00 each* |
| Mastercard® Gift Card ($10.00 – $1,000.00) | $4.00 each |
| Coin Orders | $2.00 per $100.00 |
| Copy of Statement/Printout of Account | $2.00 per statement or copy |
| Account Research/Reconciliation (one-hour minimum) | $20.00 per hour |
| Member-Requested Express Delivery | Prices vary – call for details |
| Check Printing Orders | Prices vary |
| Copy/Fax Copy of Check | $2.00 per copy |
| Signature Guarantee | $5.00 |
| Debit Card Receipt Copy | $10.00 per receipt |
| Debit Card with member-supplied artwork (one free per year, then) | $5.00 per card |
| Non-Member Notary Fee | $5.00 per document |
| Returned Mail (invalid address) | $5.00 per month |
| Loan Late Fee (excluding Business Loans) | $20.00 or 20% of interest due, whichever is greater |
| Account closed within 90 days of opening | $15.00 |
| Coin Counting | 5% of amount counted |
| Loan Extension Fee | $40.00 per payment |
| Loan Processing Fee for secured loans, i.e., Auto, RV, Boat, Motorcycle | $35.00 per loan |
| Loan Processing Fee for unsecured loans, i.e., personal loan | $15.00 per loan |
ACCOUNT FEES
| Ultimate Checking Fee – Ruby Level | $6.00 per month |
| Ultimate Checking Fee – Sapphire Level | $4.00 per month |
| Ultimate Checking Fee without E-Statement | $5.00 per month |
| Withdrawal from Savings (six allowed per month, then) | $2.00 per withdrawal |
| Money Market Excessive Transactions (six allowed per month, then) | $10.00 per transaction |
| Liquid Asset Excessive Transactions (three allowed per month, then) | $10.00 per transaction |
| Christmas Club Account Withdrawal (one free per year, then) | $10.00 per withdrawal |
| Vacation Club Account Withdrawal (two free per year, then) | $10.00 per withdrawal |
| Business Starter Checking Fee (if average daily balance falls below $2,000, then) | $15.00 per month |
| Business Starter Checking Transaction Fee (200 free per month, then) | $0.20 per transaction |
| Business PLUS Checking Fee (if average daily balance falls below $5,000, then) | $25.00 per month |
| Business PLUS Checking Transaction Fee (300 free per month, then) | $0.20 per transaction |
| Business Non-Profit Checking Fee (if average daily balance falls below $500, then) | $5.00 per month |
| Business Non-Profit Checking Transaction Fee (100 free per month, then) | $0.10 per transaction |
| Business Checking Strap Fee (Starter and Plus) | $0.50 per strap |
| Business Savings Excessive Transactions (six allowed per month, then) | $2.00 per withdrawal |
| Business Special Savings Withdrawal (four allowed per month, then) | $5.00 per withdrawal |
SAFE DEPOSIT BOX FEES (Headquarters, Medical Center, and Polaris Branches)**
| 3″ x 5″ size | $20.00 per year*** |
| 3″ x 10″ size | $30.00 per year*** |
| 5″ x 10″ size | $50.00 per year*** |
| 10″ x 10″ size | $75.00 per year*** |
| Key Deposit | $10.00 |
| Drill Fee | $275.00 |
Fee Schedule effective September 1, 2024.
* Free for Emeritus Club members.
** American Share Insurance does not insure safe deposit contents.
*** Fee reduced by $5.00 with a United Texas Checking Account.
When the credit union is charged a fee by another institution for handling a transaction not listed above, that fee will be passed on to the member.
