UNITED TEXAS CREDIT UNION

Fee Schedules

UNITED TEXAS CREDIT UNION

Fee Schedules

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 DeliveryPrices vary – call for details
Check Printing OrdersPrices 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 Counting5% 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.

Mastercard® Reloadable Prepaid Card Fees

PURCHASE AND OTHER FEES

Purchase Fee$5.50
Monthly Fee$4.95
Monthly Fee w/monthly direct depositNone
Reload Fee$4.95
Inactivity FeeN/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 TransactionFree
Lost/Stolen Replacement Fee$9.95

Card Information

Instant Issue Card:

Minimum Load Value$10.00
Maximum Load Value$5,000.00
Maximum BalanceNo Limit

Number of Reloads for Instant Issue:

Life of Card (Years)3
Daily3
Expiration Time FrameAt least 9 months from the date of purchase

Personalized Card:

Life of CardUnlimited
Daily3
Minimum Age to Purchase18
ATM Maximum Withdrawal Amount3X per day or $500 max
Cash Advance Maximum Amount$2,500.00 per 24 hours
Foreign Exchange Markup3%
Lost/Stolen Replacement Time FrameUp to 10 business days

Mastercard Prepaid Fees Effective October 2023