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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

 

  1. Use online banking to initiate ACH transfers at no charge
  2. Unlimited withdrawals permitted at Bienestar FCU ATMs
  3. Additional charges may apply and vary by state
  4. Additional charges may apply
  5. Only one (1) Skip-A-Payment is allowed per loan, per year
  6. 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