Schedule of fees and charges

Routing number #322078422
General Fees

Effective Date: 06/28/2023

Items
Fees & Charges
Account locator fee/bad address (per year)
Fees & Charges
$5.00
Account research/reconciliation/copies (per hr/1 hr min)
Fees & Charges
$30.00
ATM deposit error
Fees & Charges
$11.00
AutoCheck vehicle history report fee
Fees & Charges
$20.00
Cashier’s check (per item)
Fees & Charges
$5.00
Check-by-phone loan payments
Fees & Charges
$12.50
Check cashing for non-members $1-$1,000 (per check)
Fees & Charges
$10.00
Check cashing for non-members $1,001 and above (per check)
Fees & Charges
1%
Coin handling (per roll)
Fees & Charges
$0.25
Collection item
Fees & Charges
$25.00
Copy of WPCCU official check (cashier’s check, loan check)
Fees & Charges
$11.00
Copy of cleared checks (in excess of 2 per month), per copy
Fees & Charges
$6.00
Copy of deposited item (up to 5 items after processing is completed)
Fees & Charges
$6.00
Deposit verification fee
Fees & Charges
$10.00
Empty ATM envelope
Fees & Charges
$25.00
Escheat notice
Fees & Charges
$2.00
Foreign item collection (additional fees may apply)
Fees & Charges
$45.00
Inactive account fee (per month)
Fees & Charges
$3.00
Item correction fee
Fees & Charges
$2.00

Members over 18, no activity for 6 months, no other active accounts, and $250 end of month balance or less.

IRA transfer to another financial institution
Fees & Charges
$30.00
Legal orders (per order)
Fees & Charges
$45.00
Membership entrance fee
Fees & Charges
NO FEE
Money order (per item)
Fees & Charges
$3.00
Notary, per signature (non credit union transactions)
Fees & Charges
$10.00
Overdraft transfer fee
Fees & Charges
$5.00
Reopening closed account
Fees & Charges
$20.00
Returned item (checks, ACH, debit card, POS, NSF or uncollected funds)
Fees & Charges
$29.00
Returned deposit item (deposited or cashed), per item
Fees & Charges
$20.00
Returned deposit item (loan payment), per item
Fees & Charges
$20.00
Special handling (late deposits/excessive transfers), per item
Fees & Charges
$27.00
Statement copy or interim statement (per copy)
Fees & Charges
$6.00
Stop payment on official check (lost, stolen or destroyed only),per check
Fees & Charges
$30.00
Stop payment (per check or block of checks)
Fees & Charges
$28.00
Stop payment (Bank By Phone or Online Banking), per item
Fees & Charges
$28.00
Wire transfer domestic and international (incoming), per transfer
Fees & Charges
$15.00
Wire transfer domestic (outgoing), per transfer
Fees & Charges
$35.00
Debit Card and Loans

Effective Date: 10/06/2023

Items
Fees & Charges
Card replacement (Debit Card)
Fees & Charges
$12.00
Card replacement - RUSH (Debit Card)
Fees & Charges
$25.00
Consumer loan late fee
Fees & Charges
$20.00
Copy of sales slip (Debit Card)
Fees & Charges
$10.00
Foreign transaction (Debit Card out-of-country purchase)
Fees & Charges
0.90%
Non-WPCCU or Non-CO-OP Debit Card withdrawal
Fees & Charges
$2.00
Non-WPCCU or CO-OP Debit Card ATM withdrawal fee
Fees & Charges
$2.00
Home Equity Line of Credit annual fee
Fees & Charges
$50.00
Real estate demand/forwarding fee
Fees & Charges
$50.00
Real estate reconveyance fee
Fees & Charges
$65.00
Real estate loan rate modification fee
Fees & Charges
$750.00
Real estate pre-approval letter fee
Fees & Charges
$50.00
Real estate subordination fee
Fees & Charges
$750.00
Real estate short sale processing fee
Fees & Charges
$500.00
Real estate short sale appraisal fee
Fees & Charges
$500.00
Reissue (PIN) (Debit Card)
Fees & Charges
$10.00
Real Estate Funding Fee
Fees & Charges
$795.00
Solar Loan UCC Filing Fee
Fees & Charges
$125.00
Solar Loan UCC Termination Fee
Fees & Charges
$125.00
Checking Accounts (monthly fees)

Effective Date: 04/01/2022

Items
Fees & Charges
Power Checking
Fees & Charges
FREE

No minimum balance and no monthly fee. No dividends paid.

Advantage Checking
Fees & Charges
$7.00

Free with direct deposit or $2,500 in combined deposits. Dividends paid quarterly on average daily checking account balance.

MyStart Teen Checking
Fees & Charges
FREE

No minimum balance and no monthly fee. Must be ages 13-17 with parent or guardian as co-signer. No dividends paid.

Other Fees:
ACH stop payment
Fees & Charges
$28.00
Check reorder (WPCCU design)
Fees & Charges
varies
Check encoding errors (from non standard providers), per check
Fees & Charges
$6.00
Courtesy Pay overdraft protection (NSF items paid by check/ACH)
Fees & Charges
29.00 (per item)
Holiday Savings Club early withdrawal fee
Fees & Charges
$10.00
Incorrect TIN penalty
Fees & Charges
$50.00
Mobile Banking
Fees & Charges
FREE
Online Banking and Bill Pay
Fees & Charges
FREE
Skip-a-Pay: Holiday or Vacation (auto or personal loans only), per skip
Fees & Charges
$25.00
Special Purpose Savings Account early withdrawal fee, per withdrawal (in excess of 1 per quarter)
Fees & Charges
$10.00
Coin machine fee (non-members 10%)
Fees & Charges
2%