Schedule of Fees

Fee Schedule Effective:

Membership Fee
Personal Membership Fee (Non-refundable) $5 each
Membership Re-Open Fee (Within 90 days) $10 each
Locator Fee (Address Correction) $1/year
Inactivity Fee(after 12 months inactive) $2/month

Savings Account
Maintenance Fee
(Waived if average daily balance is $300 and above,
or at least one monthly electronic deposit of $25 or more,
or if member is age 17 and under or age 60 and above)
$3/month

Holiday Club Account
Withdrawals between November 1 and December 31 Free
Withdrawals during first 7 days after the account is opened Free
Withdrawals between January 1 and October 31 $10 each

Special Occasion Savings Account
Withdrawals (1 free per month) $10 each

Money Market Account
Maintenance Fee
(Waived if average daily balance is $2,500 and above)
$10/month

Checking Accounts
Arrowhead Checking
(Waived with eStatements or average daily balance of $50,000)
$5/month
Dividend Checking
(Waived if average daily balance is $2,500 and above)
$10/month
Access Checking $5/month
Photocopy of Check (2 free per statement period) $2 each
Online Check Images Free
Counter Checks $2/set or $0.50 each
Non-Machine Readable Checks $3 each

Retirement Builder Savings Account
Withdrawals (1 free per month) $10 each

Stop Payment
CU-Hear, Online Banking $20 each
In Person, Mail, Phone $26 each

Courtesy Pay/Non-Sufficient Funds (NSF)/and Uncollected Funds (UCF) Items
Courtesy Pay / Non-Sufficient Funds (NSF) / and Uncollected Funds (UCF) Items $31 each
If you don’t have enough money in your account or funds are on hold, we may return or courtesy pay items and charge the $31 fee. Items include Checks, Automated Clearing House (ACH), Priority Payment, Electronic Funds Transfers (EFT), Bill Payment, Automated Teller Machines (ATM), Point of Sale (POS), VISA Debit Card Transactions, and/or other electronic means.
Fees for ATM, POS and VISA Debit Card items* only apply for:
(a) members who have opted-in for Courtesy Pay
(b) transactions that overdraw the account more than $5.00
*No limit to the number of fees charged in a day for other payment items
Continuous Negative Balance Fee
(When negative balance exceeds $10.00 for
15 consecutive calendar days)
$20/occurrence
Automatic Transfers from Shares or Line of Credit $3 each

Returned Items
Effective Date: September 18, 2014
Returned Items $10 each

Electronic Access Card
Replacement of ATM Card $5 each
Replacement of VISA Debit Card $15 each
ATM Transactions at Arrowhead/CO-OP Locations*
Withdrawals Free
Deposits, Transfers, Balance Inquiries Free
ATM Transactions at Non Arrowhead/Non CO-OP ATMs*
Withdrawals $3 each
Deposits, Transfers, Balance Inquiries Free
Debit Card Signature Transactions Free
Point of Sale (POS) Transactions* Free
Empty Envelope Deposit $26 each
Deposit Item Returned – Non Arrowhead ATMs $20 each
Deposit Correction – Non Arrowhead ATMs $5 each
Verification of ATM Transaction
(Plus fee charged by ATM owner/operator)
$3 each
VISA International Service Assessment (ISA) Fee 1% of amount
*Additional fees may be charged by the owner/operator of the ATM or POS and will be disclosed at the time of transaction.

Bill Payment
Maintenance Fee (Unlimited Payments) Free
Stop Payment Fee $26 each
Photocopy of Bill Payment Checks $2 each

Wire Transfers
All Incoming Wires Free
Domestic Outgoing $30 each

Miscellaneous
Cashier’s Check (Payable to third party) $5 each
Photocopy of Cashier’s Check $2 each
Lost, Stolen or Destroyed Cashier’s Check $26 each
Money Order $3 each
Loan Payments by Phone (Credit/Debit Card, ACH) $10 each
Deposits by Phone (ACH) $10 each
Deposit of Rolled Coin (10 rolls free) $0.05/roll
Non-member Cashing Checks Drawn on Arrowhead Account $5/check
Collection Items (Incoming or Outgoing)
(Plus fee charged by third party)
$15 each
Account History Print Out $3/month
Photocopy of Statement $5 each
Verification of Deposit $5 each
Account Information Letter $5 each
Immigration Letter $25 each
Unclaimed Property Notification $2 each
Response to Subpoenas
(Plus any third party vendor fees)
$20/Hr. ($20 min.)(Additional $0.10 per copy)
Levies: IRS, State, Marshal, etc. $30 each
Research/Account Reconciliation
(Plus any third party vendor fees)
$25/Hr. ($25 min)
Fax Services $3 for 1st page
Additional Fax Pages $1 each
Photocopy Services $0.50/page
Notary Fee $10/signature

Safe Deposit Boxes
Available at Highland and Sierra Way Branches only.
The box sizes are available at the following annual rate:
3 in x 5 in $45/year
5 in x 5 in $60/year
3 in x 10 in $80/year
5 in x 10 in $100/year
10 in x 10 in $125/year
Key Deposit (Includes 2 keys) $20
Duplicate Key $20 each
Drill Lock Charge (Lost keys, Non-payment) $225
The annual renewal fee will be automatically charged to the Savings or Checking Account of your choice each January.

Fees are subject to change, at any time, without notice unless required by regulation.
For current fees call (800) 743-7228.

Arrowhead Credit Union © 2014 | P.O. Box 735 San Bernardino, CA 92402
Equal Housing Lender National Credit Union Administration
Federally insured by the National Credit Union Administration.
We do business in accordance with the Fair Housing Law.