Fee Schedules
General Fee Schedule
| Description | Fee |
|---|---|
| GENERAL CHARGES | |
| 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 less than $25.00) | $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 | $7.50 per payment |
| Wire Transfer (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 per payment |
| 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 Transaction Fee (250 free per month, then) | $0.35 per transaction |
| Business PLUS Checking Monthly Fee (if balance falls below $2,000, then) | $9.00 |
| Business PLUS Checking Transaction Fee (200 free per month, then) | $0.20 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 October 1, 2023.
* 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.
Mastercard® Reloadable Prepaid Card Fees
| PURCHASE AND OTHER FEES | |
|---|---|
| Purchase Fee | $5.50 |
| Monthly Fee | $4.95 |
| Monthly Fee w/monthly direct deposit | None |
| Reload Fee | $4.95 |
| Inactivity Fee | N/A |
| CASH ACCESS FEES | |
| ATM Balance Inquiry | $0.00 |
| ATM Domestic/In Network | $1.99/0.00 |
| ATM International | $1.99 |
| Cash Advance | $1.99 |
| POS ‐ Point of Sale (w/PIN) | $0.00 |
| Signature‐Based Transaction | Free |
| Lost/Stolen Replacement Fee | $9.95 |
| CARD INFORMATION | |
| Instant Issue Card: | |
| Minimum Load Value | $10.00 |
| Maximum Load Value | $5,000.00 |
| Maximum Balance | No Limit |
| Number of Reloads for Instant Issue: | |
| Life of Card (Years) | 3 |
| Daily | 3 |
| Expiration Time Frame | At least 9 months from the date of purchase |
| Personalized Card: | |
| Life of Card | Unlimited |
| Daily | 3 |
| Minimum Age to Purchase | 18 |
| ATM Maximum Withdrawal Amount | 3X per day or $500 max |
| Cash Advance Maximum Amount | $2,500.00 per 24 hours |
| Foreign Exchange Markup | 3% |
| Lost/Stolen Replacement Time Frame | Up to 10 business days |
Mastercard Prepaid Fees Effective October 2023