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Schedule of Fees

Fee Schedule Effective:

Membership Fee
Personal Membership Fee (Non-refundable) $5 each
Membership Re-Open Fee (Within 30 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)

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)

Checking Accounts
Arrowhead Checking
(Waived with eStatements or average daily balance of $50,000)
Dividend Checking
(Waived if average daily balance is $2,500 and above)
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
When the available balance in your account is not enough to pay an item, we may return or courtesy pay the item and charge the $31 fee. Items may include but are not limited to: Checks, Automated Clearing House (ACH), Priority Payments, Electronic Funds Transfers (EFT), Bill Payments, Automated Teller Machine (ATM),* Point of Sale (POS),* Visa Debit Card* Transactions and/or other preauthorized transactions. 
*Courtesy Pay Fees for ATM, POS and VISA Debit Card items only apply for members who have opted-in for Courtesy Pay.
Courtesy Pay Fee Limit – A maximum of 5 Courtesy Pay fees can be charged in a day per share account. Items that exceed the limit of 5 may still be paid and no fee will be assessed.
Overdrawn Account - No Courtesy Pay Fee is charged if your ending account available balance is overdrawn less than $5.00.
Non-Sufficient Funds (NSF) Fees - There is no limit to the number of Non-Sufficient Funds (NSF) fees charged in a day.
Overdraft Protection Transfer Fee $3 each

Returned Items
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

Cashier’s Check (Payable to third party) $5 each
Photocopy of Cashier’s Check $2 each
Lost, Stolen or Destroyed Credit Union 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 Coin Free
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.

An account is charged off when balance is negative for 30 days.
Fees are subject to change, at any time, without notice unless required by regulation.
For current fees call (800) 743-7228.

Arrowhead Credit Union © 2016 | P.O. Box 735 San Bernardino, CA 92402
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration.
We do business in accordance with the Fair Housing Law.