Westerra Service Charge and Fee Schedule User Guide
- June 15, 2024
- Westerra
Table of Contents
Westerra Service Charge and Fee Schedule
CARDS – ATM/CREDIT/DEBIT
ATM Transactions
CO-OP Network ATMs| FREE
Other ATM Withdrawals and Inquiries The ATM owner may charge a fee| FREE
Credit Card Balance Transfer FREE| FREE
Credit Card Cash Advance Also available as checking overdraft protection|
2.00% of advanced amount assessed and begins to accrue interest on transaction
date
Visa® Credit Card Foreign Transactions| 1.00% of the US dollar amount of the
foreign transaction for foreign currency conversions 0.80% of the US dollar
amount of the foreign transaction for International Service Fee (ISA)
Visa® Debit Card Foreign Transactions -0-
SPENDING/CHECKING/DEPOSIT ACCOUNTS
| Everyday Money | FREE |
|---|
Interest Checking
With $2,500 average daily balance| FREE
Average daily balance below $2,500 in a month| $10.00
Overdraft/WeGotYa/Courtesy Pay/Non-Sufficient Funds
Includes ACH, Bill Pay, checks, and debit cards– transaction may be declined|
-0-
Returned Deposit
Member’s Check| $25.00 per item
Stop Payment
Checks, ACH, Bill Pay| $31.00 per item
CONVENIENCE SERVICES
| Online Banking | FREE |
|---|---|
| Bill Pay | FREE |
| Wire – Domestic | $20.00 per wire |
| Wire – International | $50.00 per wire |
OTHER
| Notary Service | FREE |
|---|
Express Delivery
Includes overnight documents, cards, etc.| $25.00 per item
Garnishment and Tax Levies| $50.00 per Occurrence
Payment via Debit Card by Phone (Expedited)| $20.00 per payment
Payment via Check by Phone| $10.00
Credit Union Membership| $5.00 one-time
Safe Deposit Box Annual Rental|
3” x 5”| $20.00
5” x 5”| $30.00
3” x 10”| $40.00
5” x 10”| $60.00
10” x 10”| $100.00
Drilling| $200.00
Key Replacement| $25.00
SERVICE CHARGE AND FEE SCHEDULE
The Service Charge and Fee Schedule will go into effect on February 1, 2024; however, select service charges and fees will be assessed after the effective date. Westerra will pre-notify you in your periodic statements as specific service charges and fees go into effect.
CARDS – ATM/CREDIT/DEBIT
ATM Transactions
CO-OP Network ATMs| FREE
Other ATM Withdrawals and Inquiries (The ATM owner may charge a fee)| FREE
ATM Card Fee (Annual in November)| $10
Credit Card Balance Transfer| FREE
Card Replacement (More than 2 per year)| $5
PIN Changes – Manual through the Contact Center| $5
PIN Changes – Member Self-Service through ATM| FREE
International Debit Card Transaction Fee| 1.00% of the U.S. dollar
amount of the foreign transaction for foreign currency conversions 0.80% of
the U.S. dollar amount of the foreign transaction for International Service
Assessment (ISA) fee
International Credit Card Transaction Fee| 2.00% of the U.S. dollar
amount of the foreign transaction for foreign currency conversions 0.80% of
the U.S. dollar amount of the foreign transaction for International Service
Assessment (ISA) fee
SPENDING/CHECKING/DEPOSIT ACCOUNTS
Interest Checking
With $2,500 average daily balance| FREE
Average daily balance below $2,500 in a month| $10
Stop Payment
Checks, ACH, Bill Pay (single or series)| $30
Includes ACH, checks, one-time and recurring debit card transactions of $20
or more (Only if Opted-IN for We GotYa/Courtesy Pay overdraft service)| $20
Non-Sufficient Fund| $20
Maximum Courtesy Pay & Non-Sufficient Funds Fee per Day, per Checking
Account| 3 (Three)
OTHER SERVICE FEES
| Foreign Draft Collection | $25 per item |
|---|
Cashier’s Check
Not payable to self| $3
For non-members and merchant checks| $5
Garnishment, Levy, Subpoena| $50 per occurrence
Notary Service
Member| FREE
Non-member| $5
Electronic/digital| $25
Document Copies
Per printed statement, per cleared check| $3
Debit Card Phone Payment Fee (Expedited)| $20 per payment
Payment via Check by Phone| $10
Express Delivery
Overnight documents, cards, etc| $50 per item
Safe Deposit Box Annual Rental
3” x 5”| $20
5” x 5”| $30
3” x 10”| $40
5” x 10”| $60
10” x 10”| $100
Drilling| $200
Key replacement| $25
Bill Pay| FREE
Wire – Domestic| $20 per wire
Wire – International| $50 per wire
Check Cashing for Non-Member| $5
303-321-4209 | WesterraCU.com Federally Insured by NCUA REV. 11/2023
References
Read User Manual Online (PDF format)
Read User Manual Online (PDF format) >>