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Business Pricing Schedule

Effective April 1, 2017.


Free Business Checking
- Minimum to open $100
- Monthly fee (no minimum balance required) NONE
Business Interest Checking
- Minimum to open $1,000
- No Monthly fee with $5,000 bal. or $20,000 aggregate; otherwise $15
Ultimate Business Checking
- Minimum to open $50,000
- No monthly fee when $50,000 balance maintained; otherwise $15
Fees for additional usage for all Business Checking Accounts
- 50 cleared checks per month FREE
- Over 50 cleared checks per month 30¢/Ultimate Ckg/15¢ ea
- 20 deposits of 25 items or less FREE per month, then $1.50 each
- 25 ACH/electronic items FREE per month, then $1.50 each
(unlimited for Interest & Ultimate with $10,000 minimum daily balance in checking or $20,000 aggregate deposits)
- Limited cash and coin $1.50 per $1,000
Overdraft protection
- From Personal Line of Credit or Personal Visa Card $6/transfer
- From any share account $6/transfer
NSF unpaid $34 per item
NSF paid $34 per item
Stop payments $34
Deposited checks returned $34
Temporary checks (additional orders) $2 per 4 checks
Personalized checks Printing & handling cost
Photocopies of checks First 2 FREE, then $2 per check
Also available FREE via First U.S. Online


ATM Card / Visa Debit Card (sole proprietors only) FREE
- Visa Debit Card FREE
Transactions at First U.S. ATMs FREE
Network ATMs: (All Business Checking Accounts)
- CO-OP Network ATM transactions and inquiries FREE
- Non-CO-OP ATM transactions and inquiries $2.00 each
  ($1.00 inquiries)
- Point-of-sale (POS) FREE
Surcharges may apply at non-CO-OP ATMs (if ATM owner surcharges)
Replacement card / rush replacement card $10 / $37
Fraudulent deposits / empty envelope deposit $50
Returned check deposited at ATM $34
Adjustments for incorrect transaction at ATM $10
Nonsufficient funds via ATM $34
ATM security camera photos $10 at CU / $20 through network

Business Platinum VISA

Application fee FREE
Annual fee FREE first year, then $49;
waived with active Business Checking or Business Loan
Balance transfer fee FREE
Cash advance fee 3%; $5 minimum
Foreign transaction fee 2% in U.S. $; 3% in foreign currency
Replacement card $10
Rush replacement card $37
Original sales draft $6
Photocopy of sales draft $5
Returned payment fee $34
Late fee (after 10 days) $25
Penalty pricing review $50


- Arden Arcade Watt & Auburn branches only
NCUA does not insure safe deposit boxes. Active checking required.
Annual Rental 3x5/$40, 5x5/$45, 3x10/$55
  5x10/$80, 10x10/$180
Replace lost or damaged safe deposit key $20
Other key must be surrendered. Replacement box provided at no charge.
Drill open a safe deposit box Cost
- By court order (i.e. fee for responding) Cost + $10


Business Checking - discontinued after September 15, 2008
- Minimum to open $100
- Monthly fee (waived if $20,000 aggregate balance kept) $12


Membership fee $5
PHONE-24 (audio response system) FREE
First U.S. Online (online banking system) FREE
Bill Payment service FREE
Inactive Bill Payment (after 60 days no activity) $3 per month
Bad address fee $2 per month
Collection fees (delinquent account) Cost
Official CU checks First FREE, then $3
Cashiers check $5
Check exchange $5
Check cashing fee (non-member) $3/item
Escheat fees $2
Closed account transactions $10
Stop payments $34
NSF paid/NSF unpaid $34 per item
Min. balance fee If under $100 + no other service /$6 per month
Notary service (by appointment only) FREE for First U.S. docs and members 65+
$10 per signature (members with active checking/loan); other
$15 per signature
Photocopies $2 per page or $5 per statement
Official CU check copy $2
Account history $1 per page
Response to levies $69 per levy
Outgoing wire transfers Domestic/$25, Foreign/$50
Incoming wire transfers Domestic/$5, Foreign/$15
Domestic draft collection $5
Foreign draft collection Cost + $5
Account research/reconcilement $20 per hour ($5 min.)
Third-Party Verification of Funds on Deposit $10
eDeposit (Remote Deposit Capture) $35
Loan Subordination $200
Expedited loan payments (pay-by-phone) $12

Fees are subject to change. Any fee or charges incurred by the credit union for extra service or special handling of your account will be passed on to you. All fees will be collected from your account at the time the service is provided. The credit union may charge any of your accounts for charges that are due. You will receive notification of the amount of any such charges. If you have any questions, you may call Member Services at (916) 576-5700 or (800) 556-6768.