Business account and service fees
Business membership fees
Effective Date: Wednesday, October 29th, 2025
| Fee type | Product fees |
|---|---|
| Credit union membership | $0.00 |
| Membership closure (if within 120 days) | $0.00 |
| Inactive memberships | $5 per month |
Business savings account fees
Effective Date: Wednesday, October 29th, 2025
| 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 | $0.00 / statement period |
| Business Investor's Money Market account | |
| $10,000 daily minimum balance | No charge |
| Less than $10,000 daily minimum balance | $0.00 / statement period |
| 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 | $10 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, October 29th, 2025
| 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 | $0.00 / item |
| Misencoded checks | $0.00 / 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 | $10.00 per presentment*** |
| |
| 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, October 29th, 2025
| 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: Wednesday, October 29th, 2025
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: Wednesday, October 29th, 2025
| 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 | Fees depend on the quantity and style ordered. |
| IRA plan (personal accounts only) if closed within 180 days | $0.00 |
| 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 |
|
$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 |
$0.00 |
| Mortgage amortization schedule | $0.00 |
| 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 |
| Special services provided by third-party vendors | Actual charge |
| Locator research fee | $25 |
| Wire transfers | |
|
$30 |
|
$35.00 + third party fees |
|
$15.00 |