Fee Schedule

ROUTING NUMBER: 316386777

Fee Schedule as of December 19, 2023

Savings Account Fees

This account is NOT eligible for a debit card

Minimum to open a Savings Account

$5.00
Reopen Previous Account Fee $3.00
Excessive W/D Fee (6 per month) $5.00
Checking Account Fees This account is eligible for a debit card
Minimum to open a basic Checking Account $50.00
Monthly Service Fee $6.00 - *Waived with Online Banking, 3 debit card transactions/month, and E-statements
Online Banking Services  
Corillian Online Banking Free
Card Valet Free
Online Bill Pay Services Free
Optional Bill Pay Services:  
Bill Pay Same Day Rush Payment (ACH) $9.95
Bill Pay Overnight Check (Physical Check) $14.95
Transfer Now Services:  
External Account Transfer into WTCU (inbound) Free
External Account Transfer out of WTCU (outbound):  
Standard 3-Day Transfer $9.95
Next Day Transfer $14.95
Zelle® Online Personal Payments:  
Zelle® Send or Request - Within minutes Free - *subject to daily limits www.zellepay.com
Zelle® Send or Request - Next Day or 3-day  Free - *subject to daily limits www.zellepay.com
Business/DBA Account Fees  This account is eligible for a debit card
Minimum to open Business/DBA Account $100.00
One Time Fee to Open $25.00
Monthly Service Fee (suffix 77) $10.00
Checking/Debit Non Sufficient Fund Fees  
Stop Payment Fee (per item) $30.00
Courtesy Pay (per item) $30.00
Overdraft Protection (auto transfer from savings account) Free - *If its an ACH item, then a $5.00 fee applies
NSF (Manual Transfer by CU) $5.00
Debit Card Replacement Fee $20.00
Instant Issue $25.00
Debit Card 3 day Fee $80.00
ATM W/D Fee $1.00
ATM Inquiry Fee $1.00
Misc. Service Fees (applicable to all accounts)  
Close Account (within 90 days after opening) $10.00
Account Reconciliation Fee $10.00/hr
Account Research Fee $10.00/hr
Coin Activity Fee (Over $50.00 in coin) $5.00 or 1% - whichever is higher
Deposit Item Return Fee  (Each) $35.00
Statement Copy Fee $10.00 - Fee is for 1st page,  $1.00 additional pages. *Age 65+ the service is free.
Online Statements Free
Verification of Deposit Documentation Fee $2.00/ea.
Account History Fee $3.00 - fee is for 1st page,  $1.00 additional pages
Fax Fee $2.00 - fee is for 1st page,  $1.00 additional pages
Wire Transfer Fee (outgoing) $20.00 - over 50k, $20.00
Returned Mail/Bad Address Fee ( after 1st) $5.00
Items sent for Collections $15.00
Teller Check Fee (no checking) $6.00
Teller Check Fee (with checking) $2.00 - 1st 3 are free
Visa Gift Card Purchase Fee $3.00/card
Password Reset fee (allowed 1 free/month) $1.00/reset
Inactive Account Fee $5.00
Processing Fee for Levy, Garnishment, or Notice of Freeze $30.00
ACH Origination Return Fee $30.00 - includes TransferNow services
MasterCard Replacement $15.00
Home Origination Fee $150.00
Safe Deposit Box Fees (52nd only)  
Annual Rental Fees *(Key Deposit) $25.00
       3×5 $15.00
       3×10 $30.00
       5×10 $45.00
       Drilling Fee: (Actual Fee by Locksmith) TBD
*free to senior citizens  

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