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: Tuesday, September 22nd, 2020
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: Tuesday, September 22nd, 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: Tuesday, September 22nd, 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: Tuesday, September 22nd, 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

Cash management
Effective Date: Tuesday, September 22nd, 2020
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: Tuesday, September 22nd, 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 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

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