Fees & Disclosures
Effective September 1, 2026
Account Services |
|
|
ACH Transfer to a Financial Institution (a) |
$5 per ACH |
|
Account Research/Reconciliation (min 1 hour) |
$25 per hour |
|
Check Copy (No Charge with Online Banking) |
$5 per check |
|
Copy of Account Statement (No charge with e-Statements) |
$10 per statement |
|
Credit Union Official Check (a) |
$5 per check |
|
Printing of Personalized Checks |
At Cost |
|
Non-Sufficient Fund (NSF), Returned Check/ACH/ATM/Deposit (for each time the item is presented for payment) |
$20 each |
|
Stop Payment |
$20 per item |
|
Wellness Builder Savings Account Excess Withdrawal Fee (One (1) free withdrawal per month) |
$25 per additional withdrawal |
Wire Transfer Services |
|
|
Domestic Wire Transfer |
$20 |
|
Incoming International Wire Transfer |
$35 |
|
Transfer/SWIFT Fee International Wire Transfer |
$45 |
|
Wire Transfer – Research/Verification |
$25 per wire |
Other Services |
|
|
Foreign Check Collection (d) |
$25 |
|
Dormant/Inactive Account (e) |
$10 per month |
|
Investment Sell Transactions |
$1 per trade |
|
Incorrect Address/Returned Mail |
$10 per month |
|
Dormant/Inactive Account (f) |
$10 per month |
|
Escheatment Processing |
$50 |
|
Garnishment |
$100 |
|
Levy/Lien Processing |
$50 |
|
Expired W-8BEN on an account (includes joint owners) |
$50 per month until all W-8BENs received |
Loan Services |
|
|
Lien Processing (c) |
$30 plus state costs |
|
Lien Subordination |
$200 |
|
Mortgage Loan Modification (d) |
$500 |
|
Skip-a-Payment (e) |
$30 per payment |
Card Services
|
ATM Withdrawals - over 10 withdrawals per month (b) |
$1.00 per transaction |
|
Card Replacement/PIN Reorder |
$15 |
|
Expedited Shipping for Cards |
At Cost |
- Use online banking to initiate ACH transfers at no charge
- Unlimited withdrawals permitted at Bienestar FCU ATMs
- Additional charges may apply and vary by state
- Additional charges may apply
- Only one (1) Skip-A-Payment is allowed per loan, per year
- An account will be classified as dormant/inactive if no activity occurs for more than 12 months, excludes dividend postings
Account Disclosures
The FACT Act
Funds Availability Policy
Electronic Fund Transfers
Rewards World Mastercard® Disclosure
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