Business account and service fees

Business membership fees
Effective Date: Saturday, February 29th, 2020
Fee typeProduct fees
Credit union membership $10
Membership closure* $10
Inactive memberships $5/month
*If closed in less than 120 days

Business savings account fees
Effective Date: Saturday, February 29th, 2020
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

See business savings disclosures, rates and fees

Business checking account fees
Effective Date: Saturday, February 29th, 2020
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 $5.00 or less No fee
Overdraft paid $5.01 or greater $30.00 per presentment**
Overdraft returned $5.00 or less No fee
Overdraft returned $5.01 or greater $30.00 per presentment**
** Overdraft fees are limited to a daily maximum of 5 overdraft fees per day. Overdraft fees assessed can be overdraft paid fees, overdraft returned fees, or a combination of both. If we do not pay an overdraft item, there may be a fee as set forth within our fee schedule. We may charge a fee each time an item is submitted or resubmitted for payment. Therefore, you may be assessed more than one overdraft fee as a result of a returned item or resubmission(s) of the returned item.
Overdraft protection transfer $4 / transfer
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.
Endorsement stamps 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: Saturday, February 29th, 2020
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

Miscellaneous account and service fees
Effective Date: Saturday, February 29th, 2020
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
Domestic wire transfers
Outgoing Western Union
$35.00 / $10,000 wire
Outgoing
Essential Member Merits
$30.00
Enhanced Member Merits
$20.00
Premier Member Merits
$5.00
Endorsement stamps $25.00 per stamp
International wire transfers
U.S. funds
$35.00 + third party fees
Foreign currency
$35.00 + third party fees
With third party fees included, total cost will range from $58 to $101
Incoming wire
Essential Member Merits
$15.00
Enhanced Member Merits
$10.00
Premier Member Merits
$0.00
IRA plan early closure fee (if closed within 180 days) $25.00
IRS incorrect SSN/TIN fee Actual charge
Pre-paid Visa® card
Reload
$3
Standard issue
$6.95
Personalized
$11.95
Plastic card replacement $5 / card
Pay by phone, fee per transaction 
Essential Member Merits
$15.00
Enhanced Member Merits
$10.00
Premier Member Merits
$5.00
Pay an Oregon State Credit Union loan from a checking account at another financial institution
Statement copy $5 / statement
Interim statement copy $5 / copy
Returned deposited item $10 / item
Returned item deposited through CU service center 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 expedited payment
$5
Bill pay expedited payment by check
$20
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
$50
Safe deposit box drilling fee
$10 + third-party fees
Redemption of foreign currency $10 + third-party fees.
Minimum redemption amount: $50 U.S. dollars.
Purchase of foreign currency $10 + third-party fees
Special services provided by third-party vendors Actual charge
Locator research fee $25
Levy / garnishment $75

Go to main navigation