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

This Inactive account fee is applicable for members over 18 years old, no activity for 6 months, no other active accounts, and $250 end of month balance or less.

Item correction fee
$2.00
IRA transfer to another financial institution
$30.00
Legal orders (per order)
$45.00
Membership entrance fee
NO FEE
Money order (per item)
$3.00
Notary, per signature (non credit union transactions)
$10.00
Overdraft transfer fee
$5.00
Reopening closed account
$20.00
Returned item (checks, ACH, debit card, POS, NSF or uncollected funds)
$29.00
Returned deposit item (deposited or cashed), per item
$20.00
Returned deposit item (loan payment), per item
$20.00
Special handling (late deposits/excessive transfers), per item
$27.00
Statement copy or interim statement (per copy)
$6.00
Stop payment on official check (lost, stolen or destroyed only),per check
$30.00
Stop payment (per check or block of checks)
$28.00
Stop payment (Bank By Phone or Online Banking), per item
$28.00
Wire transfer domestic and international (incoming), per transfer
$15.00
Wire transfer domestic (outgoing), per transfer
$35.00
Debit Card and Loans

Effective Date: 10/06/2023

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

Click here to view credit card details including rates, terms and conditions

Checking Accounts (monthly fees)

Effective Date: 04/01/2022

Items
Fees & Charges
Power Checking
FREE

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

Advantage Checking
$7.00

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

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