Business account and service fees
Business membership fees
Effective Date: Sunday, September 24th, 2023
Fee type | Product fees |
Credit union membership |
$10 |
Membership closure (if within 120 days) |
$10 |
Inactive memberships |
$5 per month |
Business savings account fees
Effective Date: Sunday, September 24th, 2023
Fee type | Product 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: Sunday, September 24th, 2023
Fee type | Product 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: Sunday, September 24th, 2023
Fee type | Product 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: Sunday, September 24th, 2023
Requires Business Online Banking
Fee type | Product 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: Sunday, September 24th, 2023
Fee type | Product 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 |
|
$5 / check |
|
$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 |
|
$30 |
- International: U.S. and foreign funds
|
$35.00 + third party fees |
|
$15.00 |
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