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Home > Loans & Credit Cards > Schedule of Fees and Charges


Schedule of Fees and Charges

General Fees
Effective Date: February 22, 2019
ItemsFees & Charges
Account locator fee/bad address (per year) $5.00
Account research/reconciliation/copies (per hr/1 hr min) $30.00
ATM deposit error $11.00
AutoCheck vehicle history report fee $20.00
Cashier’s check (per item) $5.00
Check-by-phone loan payments $12.50
Check cashing for non-members $1-$1,000 (per check) $10.00
Check cashing for non-members $1,001 and above (per check) 1%
Coin handling (per roll) $0.25
Collection item $25.00
Copy of WPCCU official check (cashier’s check, loan check) $11.00
Copy of cleared checks (in excess of 2 per month), per copy $6.00
Copy of deposited item (up to 5 items after processing is completed) $6.00
Deposit verification fee $10.00
Empty ATM envelope $25.00
Escheat notice $2.00
Foreign item collection (additional fees may apply) $45.00
Inactive account fee (per month) $3.00
Item correction fee $2.00
    Members over 18, no activity for 6 months, no other active accounts, and $250 end of month balance or less.
IRA transfer to another financial institution $30.00
Legal orders (per order) $45.00
Membership entrance fee $5.00
Money order (per item) $3.00
Notary, per signature (non credit union transactions) $10.00
Overdraft transfer fee $5.00
Reopening closed account $20.00
Returned item (checks, ACH, debit card, POS, NSF or uncollected funds) $29.00
Returned deposit item (deposited or cashed), per item $20.00
Returned deposit item (loan payment), per item $20.00
Special handling (late deposits/excessive transfers), per item $27.00
Statement copy or interim statement (per copy) $6.00
Stop payment on official check (lost, stolen or destroyed only),per check $30.00
Stop payment (per check or block of checks) $28.00
Stop payment (Bank By Phone or Online Banking), per item $28.00
Wire transfer domestic and international (incoming), per transfer $15.00
Wire transfer domestic (outgoing), per transfer $35.00

Debit Card, Loans and MasterCard®
Effective Date: February 22, 2019
ItemsFees & Charges
Card replacement (Mastercard or Debit Card) $12.00
Card replacement - RUSH (Mastercard or Debit Card) $25.00
Consumer loan late fee $20.00
Copy of sales slip (Mastercard or Debit Card) $10.00
Foreign transaction (out-of-country purchase) 1.10%
Mastercard convenience checks returned check fee $23.00
Mastercard convenience checks photocopy fee $10.00
Mastercard convenience checks stop payment fee $15.00
Non-WPCCU or Non-CO-OP Debit Card withdrawal $2.00
Home Equity Line of Credit annual fee $50.00
Mastercard cash advance (other institutions may charge a fee) NO FEE
Mastercard Cash Rewards card cash advance NO FEE
Mastercard balance transfer NO FEE
Mastercard Cash Rewards card balance transfer NO FEE
Mastercard late fee $10.00
Mastercard payment through Cardholder Services $5.00
Real estate demand/forwarding fee $50.00
Real estate reconveyance fee $65.00
Real estate loan rate modification fee $750.00
Real estate pre-approval letter fee $50.00
Real estate subordination fee $750.00
Real estate short sale processing fee $500.00
Real estate short sale appraisal fee $500.00
Reissue (PIN) (Mastercard or Debit Card) $10.00
Real Estate Funding Fee $795.00
Mastercard Platinum balance transfer (No Cash Rewards) NO FEE
Non-WPCCU or CO-OP Debit Card ATM withdrawal fee $2.00

Checking Accounts (monthly fees)
Effective Date: February 22, 2019
ItemsFees & Charges
Power Checking FREE
      No minimum balance and no monthly fee. No dividends paid.
Advantage Checking $7.00
      Free with direct deposit or $2,500 in combined deposits. Dividends paid quarterly on average daily checking account balance.
MyStart Teen Checking FREE
      No minimum balance and no monthly fee. Must be ages 13-17 with parent or guardian as co-signer. No dividends paid.
Other Fees:
ACH stop payment $28.00
Check reorder (WPCCU design) varies
Check encoding errors (from non standard providers), per check $6.00
Courtesy Pay overdraft protection (NSF items paid by check/ACH) 29.00 (per item)
Holiday Savings Club early withdrawal fee $10.00
Incorrect TIN penalty $50.00
Mobile Banking FREE
Online Banking and Bill Pay FREE
Skip-a-Pay: Holiday or Vacation (auto or personal loans only), per skip $25.00
Special Purpose Savings Account early withdrawal fee, per withdrawal (in excess of 1 per quarter) $10.00
Coin machine fee (non-members 8%) 2%

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