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, March 21st, 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: Tuesday, March 21st, 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: Tuesday, March 21st, 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: Tuesday, March 21st, 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: Tuesday, March 21st, 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: Tuesday, March 21st, 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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