America's Christian CU
America's Christian Credit Union

Organization Fee Schedule


Organization Fee Schedule effective date May 1, 2022.


Account Closure Due to Abuse$25.00
Account Levy, Garnishment or Subpoena$50.00
Account Research – Per Hour$30.00
Bad Address – Annual$5.00
Cashier’s Check$5.00
Check Cashing for a Non-Member1% ($5.00 minimum)
Checks Payable to Third Party$5.00
CU Check Stop Payment$20.00
Daily Overdraft Transfer Fee$7.50
Deposit Adjustment$20.00
Escheat Notice (Per Notice)$2.00
Express/Overnight Mail Fee (Per Envelope)Cost + $10.00
Fax (Per Page)$2.00
Foreign Check Collection$25.00
Inactive Account (1 Year No Activity, Balance Under $2500, Fee Per Quarter)$10.00
Loose Coin Deposited10%
Membership Closure Within 12 months of Opening$15.00
Membership Fee (One Time)$2.00
Non CO-OP ATM Withdrawal$2.00
Notary (Member/Non-Member)$5.00 / $15.00
NSF Fee per each occurrence1$32.50
One-Time Over The Phone Payment$10.00
Overdraft Privilege/Overdraft Privilege PLUS fee, per each occurrence2$32.50
Paper Statement (Per Statement)$3.00
Photocopy of Check Deposited$5.00
Returned Deposit Item$20.00
Returned Loan Payment$30.00
Rolled Coin – Purchased or Deposited$0.25 per roll
Statement Replacement (Per Copy)$10.00
Statement Copies – onlineFree
Teller Checks$2.00
Verification of Deposit$15.00

Checking Accounts

Check Images (2 free per statement period)$10.00
Check Images – onlineFree
Check PrintingVaries
Corporate Checking Monthly Fee$15.00
Ministry Checking Monthly FeeFree
Ministry Checking Check Clearing Fee (greater than 10 checks per month)$10.00
Re-Admittance Fee After CU Closure$15.00
Stop Payment Fee$30.00
Stop Payment Revoke Fee$30.00
Temporary Checks Per Page$3.00

Wire Transfers

Incoming Domestic$10.00
Incoming International$20.00
Outgoing Domestic$25.00
Outgoing International$40.00
Wire Tracer$13.00

Bill Pay Service

Bill Pay Reinstatement$10.00
Returned Payment$30.00
Stop Payment Fee$15.00
Written Correspondence$10.00

ATM/Visa® Debit

Debit Card Reissue$15.00
Damaged/Lost Debit Card$15.00 per card
Two-Day Debit Card or PIN Rush Delivery$45.00 per card
ATM Empty Deposit Envelope$25.00
Foreign Transaction Conversion1%
Reloadable Student or Travel Card$5.00
Reload Fee$3.00
Temporary Credit Line Increase1%
Visa Gift Cards$5.00
Visa 360 Set-up Fee$100.00
Visa 360 GL Set-up Fee - Under 100 GL Accounts$300.00
Visa 360 GL Set-up Fee - Over 100 GL Accounts$500.00
Visa 360 Monthly Fee$49.99

Cash Management

ACH Transaction Origination (Item)$0.08
Return ACH Item$5.00
Notification of ACH Change$1.00
Late ACH File Post Per Item Fee (Max 10)$10.00
Cash Management Monthly Service$40.00
CM or Remote Deposit Capture Cancellation (Within 1 Year of Contract)$500.00
Remote Deposit Capture (Waived for cash management)$20.00
Remote Deposit Capture ScannerVaries


1 – If multiple items are returned unpaid due to insufficient available funds on the same day, you will be charged an NSF fee for each returned item. The same item may be presented for payment more than once, and you will be charged an NSF fee each time that item is presented and returned due to insufficient available funds.

2 – The Overdraft Privilege / Overdraft Privilege PLUS Program fee is a flat fee charged regardless of the amount the account is overdrawn and will be charged for each overdraft item presented and paid by the Credit Union, up to a maximum of ten (10) fees per day.

Ministry/Business Loans are subject to additional fees.

ACCU offers many convenient services free of charge. However, ACCU incurs costs from other organizations who perform or provide a service. Certain services make some fees necessary. By asking members who use these services to help pay for them, our entire membership is served in the fairest way possible. Real estate loans may be subject to additional fees.