Business account and service fees

Business membership fees
Effective Date: Wednesday, June 19th, 2024
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: Wednesday, June 19th, 2024
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 for payment.

See business savings disclosures, rates and fees

Business checking account fees
Effective Date: Wednesday, June 19th, 2024
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 for payment.

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: Wednesday, June 19th, 2024
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: Wednesday, June 19th, 2024
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: Wednesday, June 19th, 2024
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 Fees depend on the quantity and style ordered.
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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