America's Christian CU
America's Christian Credit Union

Organization Fee Schedule


Organization Fee Schedule effective date January 22, 2024.


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% ($8.00 minimum)
Checks Payable to Third Party$5.00
CU Check Stop Payment$20.00
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
High-Yield Savings Excessive Transaction Fee$10.00
High-Yield Savings Account Maintenance Fee$14.95
Loose Coin Deposited10%
Membership Closure Within 12 months of Opening$15.00
Membership Fee (One Time)$2.00
Notary (Member/Non-Member)$5.00 / $15.00
NSF Fee per each occurrence1$32.50
One-Time Over The Phone Payment$15.00
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 Copies – OnlineFree
Statement Replacement (Per Statement)$10.00
Teller Check$5.00

Checking Accounts

Check Images – OnlineFree
Check Images (2 Free Per Statement Period)$10.00
Check PrintingVaries
Corporate Checking Monthly Fee$15.00
Daily Overdraft Transfer Fee$7.50
Ministry Checking Check Clearing Fee (greater than 10 checks per month)$10.00
Ministry Checking Monthly FeeFree
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
Verification of Deposit$15.00

Wire Transfers

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

Bill Pay Service

Bill Pay Expedited Payment Fee$5.00
Bill Pay Overnight Fee$25.00
Bill Pay Reinstatement$10.00
Returned Payment$30.00
Stop Payment Fee$15.00
Written Correspondence$10.00

ATM/Visa® Debit

ATM Empty Deposit Envelope$25.00
Damaged/Lost Debit Card Replacement Fee$15.00 per card
Debit Card Reissue$15.00
Foreign Transaction Conversion1%
Non-CO-OP ATM Withdrawal$2.00
Reload Fee$3.00
Reloadable Student/Travel Card$5.00
Two-Day Card/PIN Rush Delivery$45.00 per card
Visa 360 GL Setup Fee - Over 100 GL Accounts$500.00
Visa 360 GL Setup Fee - Under 100 GL Accounts$300.00
Visa 360 Monthly Fee$49.99
Visa 360 Setup Fee$100.00
Visa Gift Card Replacement/Lost or Stolen$17.50
Visa Gift Card Service Fee$5.00

ACH & Remote Deposit Capture (RDC)

ACH Origination - Monthly Service Fee$25.00
ACH Origination and RDC Bundle - Monthly Fee$40.00
ACH Transaction Origination (Item)$0.08
ACH or RDC Cancellation (Within 1 Year of Contract)$500.00
Late ACH File Post Per Item Fee (Max 10)$10.00
Notification of ACH Change$1.00
Remote Deposit Capture (RDC) - Monthly Service Fee$20.00
Remote Deposit Capture ScannerVaries
Return ACH Item$5.00


Partial Reconveyance FeeVaries by state and county
Payment Over the Phone Credit/Debit Card$10.00
Updated Demand Fee$15.00
Verification of Mortgage$15.00


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.