Business account and service fees

Business account rates: Each account holder agrees to the terms set forth on our Business Account Rate and Fee Schedule and acknowledges that it is part of the Business Membership and Account Agreement. The credit union may offer other rates in the future. Fees or other conditions may reduce the earnings of the account. Member accounts in the credit union are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF). Fees are subject to change. You will be notified of such changes as required by law. Insured by NCUA.

Business membership fees
Effective Date: Thursday, June 8th, 2023
Fee typeProduct fees
Credit union membership $10
Membership closure (if within 120 days) $10
Inactive memberships $5 per month

Business savings account fees
Effective Date: Thursday, June 8th, 2023
Fee typeProduct fees
Business Basic Savings account
     $250 minimum balance No charge
     Less than $250 minimum balance $3 / calendar month
Business Money Market account
     $1,000 daily minimum balance No charge
     Less than $1,000 daily minimum balance $15 / statement period
Business Investor's Money Market account
     $10,000 daily minimum balance No charge
     Less than $10,000 daily minimum balance $20 / statement period
     Early account closure fee* $55
* If held less than 90 days
Overdraft Paid (Courtesy Payment)
$10.00 or less No fee
$10.01 or greater $10 per presentment**
Returned Item fee (non-sufficient funds)
$10.00 or less No fee
$10.01 or greater $3 per presentment***

** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.

*** Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted or resubmitted for payment. Therefore, you may be assessed more than one Returned Item fee as a result of a returned item or resubmission(s) of the returned item.

See business savings disclosures, rates and fees

Business checking account fees
Effective Date: Thursday, June 8th, 2023
Fee typeProduct fees
Free Business Checking
No minimum balance requirements
Checks deposited–first 100 checks Free
Checks deposited–100+ checks $0.20 / each
Cash deposited–up to $3,000 Free
Cash deposited–over $3,000 $0.10 / $100
Checks cleared–first 100 checks Free
Checks cleared–over 100 checks $0.20 / each
Smart Business Checking
$3,000 average daily balance No charge
Less than $3,000 average daily balance $10 / statement period
Checks deposited–first 250 checks Free
Checks deposited–250+ checks $0.15 / each
Cash deposited–up to $5,000 Free
Cash deposited–over $5,000 $0.10 / $100
Checks cleared–first 200 checks Free
Checks cleared–200+ checks $0.15 / each
Select Business Checking
Account service fee $15 / statement period
Checks deposited $0.12 / each
Cash deposited $0.12 / $100
Checks cleared $0.12 / each
Other checking-related fees
Non-MICR encoded checks $5 / item
Misencoded checks $5 / item
Overdraft paid (Courtesy Payment) $10.00 or less No fee
Overdraft paid $10.01 or greater $10.00 per presentment**
Returned Item fee (non-sufficient funds) $10.00 or less No fee
Returned Item fee $10.01 or greater $3.00 per presentment***

** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.

*** Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted or resubmitted for payment. Therefore, you may be assessed more than one Returned Item fee as a result of a returned item or resubmission(s) of the returned item.

Overdraft protection transfer No fee
Stop payment $25
Check copy $5 / copy
Dishonored credit union check written by authorized signer $30 / check
Business checks Fees depend on the quantity and style ordered.
Temporary checks $2 / page
Check images printed and mailed $25 / month

See business checking disclosures, rates and fees

Business account ATM fees
Effective Date: Thursday, June 8th, 2023
Fee typeProduct fees
Oregon State Credit Union owned Free
CO-OP® network ATMs first six transactions per month Free
CO-OP® network ATMs additional transactions $1.50 / transaction
Machines not part of the CO-OP network $1.50 / transaction

Cash management
Effective Date: Thursday, June 8th, 2023
Requires Business Online Banking
Fee typeProduct fees
Online wire transfer $20.00
Domestic outgoing
$10
International outgoing
$25.00
ACH origination $20.00
ACH per item
$0.10
ACH return item
$5.00

Miscellaneous account and service fees
Effective Date: Thursday, June 8th, 2023
Fee typeProduct fees
Account research $25 / hour
Bad address fee $5 / month
Cash advance in-branch (non Oregon State CU credit or debit card) $15
Cashier's check
  • Cashier's check
$5 / check
  • Stop payment
$30
Endorsement stamps $25.00 per stamp
IRA plan (personal accounts only) if closed within 180 days $25.00
IRS incorrect SSN/TIN fee Actual charge
Levy / garnishment $75
Pay by phone, fee per transaction (pay an Oregon State Credit Union loan from a checking account at another financial institution) $15.00
Statement copy $5 / statement
Interim statement copy $5 / copy
Returned deposited item $10 / item
  • Returned item deposited through third-party ATM location
$10 / item + correspondent fees
Check collections or exchange $10 + third party fees
Electronic bill paying
Online account access
No charge
Online bill pay
No charge
Bill pay stop payment
$25
Deposit bag $7 per bag
Member in good standing letter
First original
$10
Additional originals
$1 / letter
Mortgage amortization schedule $5
Notary service $5 / document
Safe deposit box $35 - $110 / year
Platinum Checking members receive a 10% rebate on safe deposit boxes
Safe deposit box re-keying fee
$25 + third party fees
Safe deposit box drilling fee
$25 + third party fees
Redemption of foreign currency $10 + third-party fees.
  • Minimum redemption amount: $50 U.S. dollars. Third-party fees are determined by our vendor partners. The total fee (our fee plus third-party fees) will be disclosed at time of service.
Purchase of foreign currency $10 + third-party fees
Special services provided by third-party vendors Actual charge
Locator research fee $25
Wire transfers
  • Domestic outgoing
$30
  • International: U.S. and foreign funds
$35.00 + third party fees
  • Incoming wire
$15.00

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