Belle River Community Credit Union Schedule of Fees & Service Charges

Savings Account Fees

Minimum Opening Deposit of  $10.00

Monthly Service Charge 

(waived if $200.00 is maintained in the savings or have a checking, money market, loan, or certificate of deposit on the same account)

Closing Account Fee (within 180 days of opening)    $10.00
Re-Open Account Fee (within 180 days of closing) $10.00
Inactive Account Fee (account dormant for 1 year and balance below $500.00, charged per month)   $5.00

Checking Account Fees

Minimum Opening Deposit of   $20.00
Monthly Service Charge (waived if $300.00 is maintained in the checking) $3.00
Check copies $5.00
Check Orders (150 duplicate per order) $11.86
Starter Checks $3.00

Overdraft Service Charges

Overdraft Transfer Fee  $3.00
NSF Fee per item (drafts, debit card transactions, pre-authorized withdrawals) $29.00
Courtesy Pay per item paid    $29.00

Card Service Charges

Replacement ATM/Debit Cards $6.00
Replacement ATM/Debit Pin Reminder $4.50
ATM withdrawal fee (6 free per month with direct deposit of net check) $1.00

Services and Special Processing Charges

E-Statements  Free

Paper Statement Fee (monthly, quarterly) 

Exclusions: primary members under 18 or over 70 years of age 

Account History or Statement per page $1.00
Cashier’s Check (1 free per month, or 5 free per month with a You've Earned It Account) $2.00
Certified Check $3.00
Money Orders $2.00
Money Orders for ages 60 and older $1.00
Domestic Wire (must be called in by 3pm)    $20.00
Credit Union Wire Transfer Free
Foreign Wire (must be called in by 2pm)     $25.00
Skip-a-payment $25.00
ICUL Gift Cards $25.00 to $500.00  $4.50
Staff Transfers & Balance Inquiries over phone (per request, free thru audio response system & yourcu@home)        $2.00
Stop payment fee per item  $20.00
Return check fee   $10.00
Copy (per page)  $1.00
Fax (per page) $1.00
Return Mail $2.00
Garnishment/Legal Processing Fee $40.00
Account Reconciliation or Research (per hour)   $25.00
Non-member Check Cashing of BRCCU checks $5.00
Escheat fee   $25.00
ICUL Travel Money Cards $250.00 to $9999.00 $10.00

Mortgage or Home Equity 

Penalty for payoff within one year of origination date  $300.00
Underwriting Fee    $550.00


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