Fees

Membership Share$5.00 par value
Overdraft Fee (Honor from Shares) up to 6 per month$10.00 – per overdraft
Overdraft Fee (Returned NSF)$30.00 – per overdraft
ATM POS EFT Withdrawal (Honor from Shares) up to 6 per month$10.00 – per overdraft
ATM POS EFT Withdrawal (Dishonor)$30.00 – per overdraft
ATM Fee (Charge for using foreign ATM) (not our ATM)$1.00 – per transaction (charged at end of month)
Master Card Debit Card Overdraft Fee (Honor from Shares) up to 6 per month$10.00 – per overdraft
Master Card Debit Card Overdraft Fee (Outstanding charge)$30.00 – per overdraft
Stop Payment Fee$15.00 – per request
ACH Stop Payment Fee$15.00 – per request
Share Draft Photo Copy$5.00 – per draft
Deposited Item Return Fee$30.00 – per item
Share Draft Printing Fee (Deluxe Check)Price varies by style
Cashier/Certified Check Fee$2.00 – per check
Statement Copy$0.25 – per page
Stale Dated Bank Check Fee$35.00
Wire Transfer (Outgoing) Fee$30.00 – within United States
Incoming Wire Fee (Domestic)$10.00 – per wire
Western Union Fee$30.00 – within United States
Money Order Fee (Max. amount $1,000.00)$2.00 – per money order
Statement Reconciliation and Administration Fee$20.00 – per hour. One hour minimum
Check Cashing Fee$5.00 – per check if balance below $50.00 and only have a Share account
Visa Gift Cards $10.00- $500.00$3.50 – per card
Visa Gift Cards $501.00 – $1,000.00$4.50 – per card
Closed Account Fee$5.00 – within 12 months of opening account
Loan Late Fee$20.00 – per month
Loan Skip A Pay$30.00- per skip *Limits Apply*
Notary ServiceDonations Accepted
Overdraft Privilege Fee$30.00 – per item paid
IRA Transfer Out Early Fee$20.00 – per IRA
Legal Documents$50.00 – per document
Return Mail/Incorrect Address$5.00 – per returned item
Inactive Account Fee (After 18 months)$1.00 – per month
Escheat Fee$30.00

As of 9/7/2022, external member transfers and check withdrawals on our audio response telephone transaction system will no longer be accepted. You will still be able to transfer within your membership account. If you have any questions, please contact us at memberservices@irfcuemail.com