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Online Banking & Bill Pay
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General and Business Membership Fee Schedule

Effective: April 1, 2019

General Membership
Current Fee
Minimum Membership Share: $25
Account Closure Fee: $25 if closed within six (6) months
Inactivity Fee: $5 per month - After twelve (12) months of inactivity
Escheat Fee: The lesser of $25 or 2% of remitted funds
General Money Market & Share Excessive Withdrawals (>6 per month)1: $5 per excessive withdrawal
General Service Current Fee
Stop Payment (ACH and Check): $31 per item
Account Reconciliation or Research
$25 per hour with 1 hour minimum
Official Checks:
First one (1) free, then $1 per check
Cashier's Checks:
$4 per check
Returned Mail Processing:
$5 per month
Statement Copy Fee:
$3 per statement
Garnishment/Levy/Collection Item Fee:
$50 per item
Foreign Deposit Item Processing:
$18 per deposit
Foreign Deposit Item Processing with Currency Conversion
$28 per item
Check or Card Payment by Phone or Online
$15 per payment up to $399.99.  Anything above $400 is $25.
Wire Transfer Current Fee
Domestic Wire, Outgoing: $25 per item
Domestic Wire, Incoming: $10 per item
International Wire, Outgoing: $45 per item
International Wire, Incoming :
$10 per item
Non-Sufficient Funds (NSF)/Overdraft
Current Fee
Privilege Pay Clearing2:
$31 per item
Automated Clearing House (ACH) NSF:
$31 per presentment
NSF Returned Check:
$31 per presentment
Return Deposited Item:
$10 per item
Return Deposited Item Against Self:
$31 per item
Overdraft Transfer From Share:
$2.50 per transfer
Overdraft Transfer From Loan:
No fee
Personal Checking
Current Fee
Counter Checks:
$2 per sheet of four (4)
Check Printing Fees:
Prices will vary
Check Copy Fee:
$10 per item
ATM and Card Access
Current Fee
ATM Fee:
None – machine fees may apply
ATM Deposit Adjustment:
$10 per item
ATM Return Check Fee:
$10 per item
ATM Return Check Fee If Drawn On Self:
$31 per item
Card Replacement Fee:
$10 per card
Expedited Card Replacement Fee
At Cost
Debit Card Privilege Pay Fee2:
$31 per item
Foreign Transaction Fee:
1% of the purchase price in addition to the currency exchange rate fee
Effective: April 1, 2019
 
Business Membership
Current Fee
Minimum Membership Share
$25
Account Closure Fee
$25 if closed within 6 months
Inactivity Fee
$5 per month after 12 months of inactivity
Escheat Fee
The lesser of $25 or 2% of remitted funds
Paper Statement Fee
$10 per statement
Excessive Withdrawals (>6 per month)
$5 per excessive withdrawal
General Service Current Fee
Stop Payment (ACH and Check): $31 per item
ACH Origination Fee
$10 per transaction
Official Checks:
First one (1) free, then $1 per check
Cashier's Checks:
$4 per check
Returned Mail Processing:
$5 per month
Statement Copy Fee:
$10 per statement
Account Reconciliation or Research
$25 per hour with 1 hour minimum
Garnish/Levy/Collection Item Fee
$50 per item
Deposit Item Correction Fee
$10 per deposit
Foreign Deposit Item
$60 per item
Phone/Online Payments by Check or Card up to $399.99
$15 per payment
Phone/Online Payments by Check or Card up to $400
$25 per payment
Wire Transfer Current Fee
Domestic Wire, Outgoing: $25 per item
Domestic Wire, Incoming: $10 per item
International Wire, Outgoing: $45 per item
International Wire, Incoming :
$10 per item
Non-Sufficient Funds (NSF)/Overdraft
Current Fee
Privilege Pay Clearing2:
$31 per item
Automated Clearing House (ACH) NSF:
$31 per presentment
NSF Returned Check:
$31 per presentment
Return Deposited Item:
$10 per item
Return Deposited Item Against Self:
$31 per item
Overdraft Transfer From Share:
$2.50 per transfer
Overdraft Transfer From Loan:
No fee
ATM and Card Access
Current Fee
ATM Fee:
None – machine fees may apply
ATM Deposit Adjustment:
$10 per item
ATM Return Check Fee:
$10 per item
ATM Return Check Fee If Drawn On Self:
$31 per item
Card Replacement Fee:
$10 per card
Debit Card Privilege Pay Fee2:
$31 per item
Foreign Transaction Fee:
1% of the purchase price in addition to the currency exchange rate fee
Business Money Market

Minimum Opening Deposit
$2,500
Minimum Balance Fee
$10
       Minimum Balance to Avoid Fee
$2,500
Excessive Withdrawals (> 6 per month)
$25

Business Checking
Business Checking Plus
Minimum Opening Deposit
$100
$100
Minimum Balance Fee
$10
$15
     Balance to Avoid Fee
$1,000
$7,500
Excessive Transaction Fee  (Drafts Paid & Deposited Items)
First 150 Free, then $0.25 per Item
First 300 Free, then $0.25 per Item
Cash Transactions
First $5,000 Free, then $0.10 per $100
First $6,000 Free, then $0.10 per $100
Counter Checks
$2 per sheet of 4
$2 per sheet of 4
Foreign Draft Item Processing
$18 per item
$18 per item
Foreign Draft Item Processing with Currency Conversion
$28 per item
$28 per item
Check Copy Fee
$10 per item $10 per item
 
 
**Please see the Credit Card Disclosure for fees associated with credit card accounts.

1. For Share and You Name It Accounts, no more than six (6) preauthorized, automatic, telephone or Online Banking transfers may be made to another account of yours, or to a third party in any month. If you exceed these limitations, your account will be subject to a fee and may be closed.

2. A Privilege Pay Fee is imposed for paid overdrafts created by checks, in-person withdrawals, ATM withdrawals and ACH or other electronic means.

These fees are accurate as of the Effective Date indicated. If you have questions or require current fee information on your account(s), please call On Tap Credit Union® at 303-279-6414 or 1-800-770-6414.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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