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Table data for Savings and Checking Accounts
 
Fee Type Fee Amount Alert Me
Checking Printing Fee Varies by style
Temporary Checks Fee 4 for $1.00
Deposit Drafts Returned Unpaid Fee (when payor and payee are the same) $75.00 per item
Premium Overdraft Service Fee $32.00 per presentment*
Non-Sufficient Funds (NSF) Fee $32.00 per presentment**
ACH Representment Fee $32.00 per presentment
eStatement Fee Free
Paper Statement Fee $5.00 per statement
Shared Draft Copy Fee $2.00 per shared draft
Account Research Fee $40.00 per half hour
Stop Payment Fee $32.00 per item
Account Closure Fee (within 6 months of opening) $25.00
Basic Checking Fee Minimum daily balance of $500.00 required to avoid a $5.00 service fee
Comeback Checking Fee $10.00 per month
Verification of Deposit Fee $15.00 per item
Check Cashing- Non-Member Fee $15.00
*Accounts will be assessed the Premium Overdraft Service Fee (Standard or Extended Coverage) for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid. An overdrawn balance must be repaid within 32 days. For consumer accounts, there is a combined limit of 5 total Premium Overdraft Service Fees and Non-Sufficient Funds Fees, up to $160 per day we can charge you for overdrawing your account. These limits do not apply to business accounts. We may not pay items under your Premium Overdraft Service limit if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to us or if your account is subject to any legal or administrative order or levy.

**A Non-Sufficient Funds Fee is assessed each time an item is presented against insufficient funds. Any item (check, ACH, or other electronic transaction) that is initially returned to the payee because the Available Balance in your account was not sufficient to cover the item can be represented by the payee for payment multiple times, which is beyond our control. We may charge a Premium Overdraft Service Fee or Non-Sufficient Funds Fee regardless of the number of times an item is presented to us for payment against insufficient funds, and regardless of whether we pay or return the item. For consumer accounts, there is a combined limit of 5 total Premium Overdraft Service Fees and Non-Sufficient Funds Fees, up to $160 per day we can charge you for overdrawing your account. These limits do not apply to business accounts.

Table data for Miscellaneous Transactions
 
Fee Type Fee Amount Alert Me
Levies/Garnishments Fee $85.00
Wire Transfer - Domestic Fee $25.00
Wire Transfer - International Fee $55.00
Dormant Account Fee $10.00 per month
Signature Guarantee Fee - Members Only $35.00 per transaction
Bad Address Fee $10.00 per month
Foreign Item Deposit Fee $30.00 per item
Shared Branch Withdrawals Fee (fourth and subsequent withdrawals per month) $2.00 each
Official Check Fee $2.00
All fees are subject to change.

Table data for ATM & Visa® Debit Card Transactions
 
Fee Type Fee Amount Alert Me
Expedited Delivery Fee $35.00 each
Excessive Loan Lost/Stolen Reissue Fee $10.00 per reissue
ATM Deposit Correction Fee $5.00 per item
Foreign Transaction Fee* (Point of Sale) 3% of settlement amount
*Foreign = not owned by AACU

Table data for Visa® Credit Card Transactions
 
Fee Type Fee Amount Alert Me
Expedited Delivery Fee $35.00 each
Paper Statement Fee $5.00 per statement
Balance Transfer Fee (each transfer amount) 3%, $10.00 minimum
Cash Advance Fee (each advance amount) 3%, $10.00 minimum
Foreign Transaction Fee* - Non-Rewards Card (each Point of Sale or ATM advance) 3% of settle amount
Late Payment Fee (Consumer/Business) $25.00/$35.00
Telephone Payment (third-party live agent) - Processing Fee (via debit card or ACH) $5.00
*Foreign = not owned by AACU

Table data for ATM Transaction Fees
 
Fee Type Fee Amount Alert Me
AACU Owned/CO-OP ATM Free
Non-AACU ATM $2.00 per transaction
Primary Savings only* First three ATM fees waived
Primary Savings with a Basic Checking or a Comeback Checking Account* First three ATM fees waived on the Primary Savings and NO Non-AACU fee waived on the Basic Checking or Comeback Checking
Primary Savings with a Rewards Checking* Account No ATM fees waived on the Primary Savings or the Rewards Checking accounts (an offsetting credit may be available)
*Non-AACU owned ATM transactions only.

All fees are subject to change.

Table data for Loan Fees
 
Fee Type Fee Amount Alert Me
Consumer Loan Late Payment Fee $15.00
Loan Modification/Extension Fee $40.00
Skip-A-Pay Fee $35.00
Automatic Loan Payment Fee Free
eCheck (ACH) Automatic Loan Payment Fee (using unauthenticated portal on aacu.com) $4.95
Debit Card Automated Loan Payment Fee (using unauthenticated portal on aacu.com) $9.95
Mortgage Loan Modification/Extension Fee 0.50% on outstanding loan balance or $995.00 minimum
Mortgage Late Payment Varies per product type
All fees are subject to change.

Table data for Safe Deposit Box - Only Available at the Monument Branch
 
Type* Fee Amount* Alert Me
Box Size 3" x 5" x 22" $30.00 annually
Box Size 3" x 10" x 22" $60.00 annually
Box Size 5" x 10" x 22" $90.00 annually
Box Size 10" x 10" x 22" $150.00 annually
Required Key Deposit (each box) $20.00
Late Fee $25.00
Lost Key $120.00
Rekey and/or Drilling $325.00
*$5 par in Primary Savings is required and deposit enough for Annual Fee and Key Deposit to be pulled at time of opening. Contents within the box is not insured by AACU or NCUA. Membership requirements apply. Primary Account holder must also be primary on the safe deposit box. All safe deposit boxes are first come, first served. No waitlist available.

Table data for Business Accounts
 
Fee Type Fee Amount Alert Me
Free Business Checking Account Fee Free
Interest- Bearing Business Checking Account Fee $15.00 per month
Business ACH Payments Origination Service Fee $25.00 per month
Business ACH Collections Origination Service Fee $25.00 per month