United Bank of Union's Fee Schedule
Regular Checking Account
Average Balance - Service Charge on Non-Interest Bearing DDA
- $0.00 to $249.99 - $5.00 per month
- $250.00 to $499.99 - $3.00 per month
- $500.00 and above - No Service Charge
Ultimate Savings Account
- Service Charge for Each Additional Withdrawal Over the One Allowed Per Calendar Month - $25.00 per withdrawal
Overdraft Fee for Checking/Savings Account Charges*
(see bottom of page for more information)
- Overdrafts above and beyond your established Protect-A-Check limit may result in checks or other items being returned to the payee. You are charged our
overdraft fee of $35 for each overdrawn item submitted that we cover. If the total of all of the presented item(s) overdraws the account balance $10 or less, no overdraft fee is charged for the item(s). If the account balance is already overdrawn more than $10 and the amount of the presented item(s) is $10 or less, a reduced overdraft fee of $20 is charged if the item(s) is paid. Daily combined maximum fees for overdraft and returned items is $245. A notice of checks paid due to overdraft will be sent to notify you of items paid. A notice of checks returned because of insufficient funds will be sent to notify you of items returned.
Checking and Savings Accounts
- Service Charge for: Inactivity (No External Activity for More Than 365 Days) With Balance Less Than $50.00 - $10.00 per month
- Service Charge for: Dormant (No External Activity for More Than 731 Days) With Balance Less Than $50.00 - $25.00 per month
- Second Chance Account Service Charge is $7.00 Per Month
Certificate of Deposit Penalties
- Early Withdrawal Penalty - The penalty will be an amount equal to seven days' interest on the amount withdrawn if the withdrawal is made within the first six days after the deposit.
- Early Withdrawal Penalty - 4% of the amount of the principal being withdrawn prior to maturity.
Negotiable Instruments
- Cashier's Checks - $7.00 per check
- Money Orders - $5.00 per check
Special Services
- Account Research - $25.00 per hour and $0.25 per copy
- Checkbook Reconciliation - $15.00 per hour
- Monitor Signature on Account - $10.00 for 60 days
- Temporary Checks - $1.00 per check
- FAX Copies (Minimum of 2 Sent and Received) - $1.00 per page
- Photocopies - $0.25 per page
NOW Account
Service Charges Based on Average Balance
Service Charges Based on Average Balance
- $0.00 to $249.99 - $5.00 per month
- $250.00 to $499.99 - $4.00 per month
- $500.00 to $749.99 - $3.00 per month
- $750.00 to $999.99 - $2.00 per month
- $1,000.00 and above - No Service Charge
ATM/Debit Cards
- Fee for DDA and Savings withdrawal at Foreign ATM - $1.00 per transaction
- Fee for DDA and Savings Inquiry at Foreign ATM - $0.45 per inquiry
- ATM Replacement Card - $5.00 per card
- Freedom Check Debit Card Replacement - $5.00 per card
International Fees
Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross- Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.
Bank Statement
- Original Imaged Statement - Free
- Replacement Statement - $5.00
- Imaged Check Replacement (Front and Back) - Addl. $5.00 per month
- Cancelled Check Copy - $3.00 per copy
Transfer/Inquiries
- Auto Transfer ($100 Increments) - $3.00 per Inquiry, per Customer
- Assisted Telephone Transfers - $5.00 per Inquiry, per Customer
- Assisted Telephone Inquiries (Obtaining balance inquiry, transcript request) - $2.00 per Inquiry, per Customer
Miscellaneous Charges
- Stop Payment Fee - $30.00 per check
- Checks Charged Back to Customer's Account - $10.00 per check
- Collection Items - $20.00 Incoming - $20.00 Outgoing
- Wire Transfers - $12.50 Incoming - $22.50 Domestic Outgoing - $50.00 Foreign Outgoing
- Rejected Items Due to Checks Purchased From Vendor Not Authorized by the Bank - $1.00 per item
- Vendor Check Charges - Varies by Order
- Garnishment Fee - $100.00
- Fee for Statement Returned for Mail - $5.00
Web Banking Services
Consumer Mobile Capture Fee - No Charge
Personal Accounts:
- Review Statements, Transfer Funds between United Bank Accounts and Check Balances On-Line - No Charge
- Bill Payment Fee for Zero to Ten Checks per Statements Cycle - No Charge
- Service Charge for Each Additional Check Exceeding the Ten Checks Allowed per Statement Cycle - No Charge
* As a personal checking account customer of United Bank of Union, you're entitled to enjoy the benefits of Protect-A-Check overdraft protection. When you maintain a personal account in good standing (making regular deposits and bringing your account to a positive balance at least once every 30 days) United Bank of Union will honor overdrafts up to the pre-assigned account limit. All insufficient funds fees will be assessed for each transaction and deducted from your limit. You will be notified by mail for each overdraft. No interest will be charged on the overdraft balance.
An overdraft notice will be sent each time items are paid or returned. Overdrafts that exceed the established Protect-A-Check limit may result in checks being returned to the payee unpaid. An insufficient funds fee per item will be assessed to your account and the overdraft notice will notify you of our actions. Make sure you deduct all in sufficient funds fees from your checkbook when you receive your notice(s).
Your Protect-A-Check limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payments. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card transactions using your limit. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.
