Cards - Westerra Credit Union

Working For You
Service Charge and Fee Schedule
Effective April 1, 2011
Cards – ATM/Credit/Debit
ATM Transactions
—CO-OP Network ATMs
—Other ATM Transactions, Deposits,
Withdrawals and Inquiries
—With Better Than Free and
FREE
Preferred Checking
—With Value Checking
Card Replacement $15.00
— rush (card or PIN) $25.00
Credit Card Cash Advance 2.00%
Visa ® Foreign Transactions
Empty Deposit Envelope $28.00
ATM Access Only Card
Debit Card Annual Fee $25.00
(with Preferred and Better Than Free Checking) FREE
Reloadable Visa ® Debit Card $4.95
Checking/Deposit Accounts
Preferred Checking
3 rebated per month,
then $1.50 each
$1.50 each
Pass-through 1% of transaction
amount in US dollars
$15.00 annually
savings only,
minor accounts exempt
$10.00 per month
if average daily balance is less
than $10,000.00
Business Accounts
—with $1,000 minimum daily balance FREE
—below minimum balance
$5.00 monthly
Check Copies $5.00
Collection Items $25.00
Continuous Overdraft
Overdraft/Non-Sufficient Funds $28.00
—includes ACH, Bill Pay,
convenience and Money Market
checks
$5 per day
11th - 21st day account
is overdrawn
Foreign Item Deposit Processing
Any pass-through collection fee
Prime Savings
—if no other Westerra accounts and $5.00
balance is less than $100.00
minor accounts exempt
for the entire month
Regulation D* - over the limit
$10.00 monthly
for 3 months
Returned Deposit
—member’s check $25.00
—third party check $5.00
Stop Payment $28.00
—checks, ACH, Bill Pay
Convenience Services
Cashier’s Check $5.00
—with Preferred Checking
FREE
Money Order ($1,000 maximum) $1.00
—with Preferred Checking
FREE
Teller Check
Wire – Domestic $15.00
Wire – International $40.00
$2.50 per check
payable to third party

Loans
Credit Bureau $15.00
—excludes HELOCs,**
credit cards, and share and
CD secured loans
Consumer Loan Late Payment $15.00
Account Management
$1.50 monthly
on loans past due
31 days or more
Returned Loan Payment $25.00
Line of Credit Annual Fee $25.00
Overdraft Protection
Total Amount Overdraft in a Day
One Time Fee Per Day
$10-$50 $10.00
$50.01-$100.00 $15.00
$100.01-$150.00 $20.00
$150.01-$200.00 $25.00
$200.01-$300.00 $30.00
$300.01-$500.00 $35.00
Membership
Membership Entrance
—one-time $5.00
Early Account Closure
—within 180 days $20.00
Safe Deposit Boxes
Rental
Varies by size
Drilling Fee $200.00
Lost Key/Lock Change $20.00
Discount for Preferred Checking Accounts
Other
Account Research
$25.00 per hour
1 hour minimum
$15.00 per hour
$5.00 per month
CU Service Center Research
Returned Statement
Express Delivery $25.00
Garnishment and Tax Levies $50.00
Holiday Club disbursed October 31
—withdrawals prior to maturity
Payment by Phone
Statement Copies $5.00
$5.00 each
$10.00 per payment
Federally Insured by NCUA
*Regulation D
Transfer Limitations. For share savings and money market
accounts, you are allowed to make up to 6 withdrawals
(transfers, cash or checks) per month.
For more information, refer to the
Member Account Agreements, Disclosures
and Information Guide.
**Out of state, non-owner
occupied and loans over
$100,000 will be
charged fee.
04/11
Working For You
3700 East Alameda Avenue • Denver, CO 80209
303-321-4209 • 1-800-858-7212
www.westerracu.com