25 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $40, its standard fee, the highest of its prices
NSF / Returned Item
Compared at $30, the middle of its prices
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Unite Federal Credit Union’s own schedules, with a source for each figure.
per item
per item
per item
per item
per item
per item
per transaction
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account (annual) Escheat Fee | $15Not compared: Annual charge, not monthly | per year | None |
| Inactive Account (annual) Escheat Fee | $15Not compared: Annual charge, not monthly | per year | None |
| Account Reconciliation/Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Non-sufficient Funds ACH Item Paid | $40 | Not stated | None |
| Non-sufficient Funds ACH Item Paid | $30 | per item | None |
| Privilege Pay | $30 | Not stated | None |
| Non-sufficient Funds ACH Item Unpaid | $30 | per item | None |
| Non-Sufficient Funds Checks Unpaid (per item) | $30 | per item | None |
| Non-Sufficient Funds Checks Unpaid (per item) | $40 | per item | None |
| Transfer from Share Account (Overdraft protection) | $5 | Not stated | None |
| Transfer from Share Account (Overdraft protection) | $5 | Not stated | None |
ATM & Card | |||
| ATM Card Use | $1.50 | Not stated | None |
| Card Replacement Fee (per card) | $10 | per item | None |
| Replacement Fee (per card) | $15 | per item | None |
| Rush Debit Card Fee | $50 | Not stated | None |
| Currency Conversion Fee | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfer-Outgoing Domestic | $20 | Not stated | None |
| Wire Transfer-Outgoing Domestic | $25 | Not stated | None |
| Wire Transfer-Incoming Domestic | $20 | Not stated | None |
| Wire Transfer-Incoming Domestic | $10 | Not stated | None |
| Wire Transfer-Foreign | $45 | Not stated | None |
Check Services | |||
| UNITE Official Check | $25 | Not stated | None |
| Cashier’s Check/Money Orders (each) | $3 | per item | None |
| Cashiers Check/Money Orders (each) | $3 | per item | None |
| Money Orders | $5 | Not stated | None |
| Money Orders | $5 | Not stated | None |
| Stop Payment of Cavion Bill Pay | $25 | Not stated | None |
| Stop Payment of Member Share Draft | $25 | Not stated | None |
| Stop Payment of Member Share Draft | $25 | Not stated | None |
| Stop payment of UNI Official Check | $25 | Not stated | None |
| Stop payment of UNITE Official Check | $25 | Not stated | None |
| Stop Payment on Bill Pay | $30 | Not stated | None |
| Temporary Checks | $1 | Not stated | None |
| Check Cashing (University checks only) | $5 | Not stated | None |
| Check Cashing Fee/ 2nd Party Fee (idle accounts) | $5 | Not stated | None |
| Foreign & domestic Collection Item (minimum) | $15 | Not stated | None |
| Foreign & domestic Collection Item (minimum) | $15 | Not stated | None |
| Share Draft /Corporate check copy | $3 | Not stated | None |
Digital & Electronic | |||
| Expedited Bill Pay - Payment in check | $60 | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item | $10 | Not stated | None |
| Return Deposit Item | $10 | Not stated | None |
Account Services | |||
| Notary Service-Non-member | $10 | Not stated | None |
| Notary Service-Non-member | $10 | Not stated | None |
| Levy/Garnishment Processing | $50 | Not stated | None |
| Levy/Garnishment Processing | $50 | Not stated | None |
| Lien Subordination Fee | $25 | Not stated | None |
| Lien Subordination Fee | $25 | Not stated | None |
| Verification of Deposit (Government Agencies Exempt) | $10 | Not stated | None |
Gift & Prepaid Cards | |||
| Embossed On Pre-Paid Reloadable Visa Gift Card | $6.95 | Not stated | None |
| Pre-Paid Reloadable Visa Gift Card | $4.95 | Not stated | None |
| Visa Gift Card | $2.50 | per item | None |
| VISA Gift Card | $3.50 | per item | None |
| VISA Gift Card - Reloadable | $5.95 | Not stated | None |
Other Fees | |||
| Account Statement Copies/Current Mo | $5 | Not stated | None |
| Account Statement Copies/Current Mo | $5 | Not stated | None |
| Copy Machine Usage (per page) | $0.50 | per item | None |
| Copy Machine Usage (per page) | $0.50 | per item | None |
| Personal Fax (incoming or outgoing) | $3 | Not stated | None |
| Loan Modification Fee | $30 | Not stated | None |
| Loan Modification Fee | $30 | Not stated | None |
| Loan Payment Via Phone W/Debit Card | $15 | Not stated | None |
| Loan Refinance Fee 1pmt<6mo | $30 | Not stated | None |
| Loan Refinance Fee 1pmt<6mo | $30 | Not stated | None |
| Loan Skip-A-Payment Fee | $30 | Not stated | None |
| Loan Skip-A-Payment Fee | $30 | Not stated | None |
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account (annual) Escheat Fee | $15Not compared: Annual charge, not monthly | per year | None |
| Account Reconciliation/Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Privilege Pay | $30 | Not stated | None |
| Transfer from Share Account (Overdraft protection) | $5 | Not stated | None |
ATM & Card | |||
| ATM Card Use | $1.50 | Not stated | None |
| Card Replacement Fee (per card) | $10 | per item | None |
Wire Transfers | |||
| Wire Transfer-Outgoing Domestic | $20 | Not stated | None |
| Wire Transfer-Incoming Domestic | $10 | Not stated | None |
Check Services | |||
| Cashiers Check/Money Orders (each) | $3 | per item | None |
| Money Orders | $5 | Not stated | None |
| Stop Payment of Cavion Bill Pay | $25 | Not stated | None |
| Stop Payment of Member Share Draft | $25 | Not stated | None |
| Stop payment of UNI Official Check | $25 | Not stated | None |
| Check Cashing (University checks only) | $5 | Not stated | None |
| Foreign & domestic Collection Item (minimum) | $15 | Not stated | None |
| Share Draft /Corporate/Cavion check copy | $3 | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item | $10 | Not stated | None |
Account Services | |||
| Notary Service-Non-member | $10 | Not stated | None |
| Levy/Garnishment Processing | $50 | Not stated | None |
| Lien Subordination Fee | $25 | Not stated | None |
| Verification of Deposit (Government Agencies Exempt) | $10 | Not stated | None |
Gift & Prepaid Cards | |||
| Embossed On Pre-Paid Reloadable Visa Gift Card | $6.95 | Not stated | None |
| Pre-Paid Reloadable Visa Gift Card | $4.95 | Not stated | None |
| Visa Gift Card | $2.50 | per item | None |
| VISA Gift Card | $3.50 | per item | None |
| VISA Gift Card - Reloadable | $5.95 | Not stated | None |
Other Fees | |||
| Account Statement Copies/Current Mo | $5 | Not stated | None |
| Copy Machine Usage (per page) | $0.50 | per item | None |
| Loan Modification Fee | $30 | Not stated | None |
| Loan Refinance Fee 1pmt<6mo | $30 | Not stated | None |
| Loan Skip-A-Payment Fee | $30 | Not stated | None |
Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee change alerts
We check once a day and send one email covering every change.