Service Fees

Fee Structure

Western Illinois Credit Union is a not-for-profit cooperative owned by its members. The intent of fees being charged for services is to help recoup costs the credit union pays for the services offered. If you have any questions, please contact us.

Change of Address form

All fees effective January 2018.

*Effective 08/2013 we are no longer part of the Co-Op ATM program.

Savings Accounts

Returned mail – incorrect address $ 2.00
Statement copy – interim statement $ 2.00
Dormant account – annual fee $ 5.00
Below minimum balance – monthly fee $ 1.00

Checking Accounts

No monthly transaction requirements
Unlimited check writing Free
Monthly maintenance Free
Credit Union Online Free
Audio response teller Free
Coin counting Free
Bill pay Free
Notary Public Free
Phone transfers Free
Employee assisted balance inquiries Free
Other financial institution ATM Fee varies
Courtesy pay
(Item paid and not returned NSF)
Overdraft Protection
(Funds transferred from share account to clear item)
$  5.00
Returned deposit items $  5.00
Non-sufficient funds
(Item returned NSF)
Draft (check) copy $  5.00
Stop payments $15.00
Debit card reinstatement $25.00
Debit card replacement $10.00
VISA credit card replacement $10.00
PIN reminder $  5.00

Miscellaneous Services

Credit Union Check
(Fee when check payable to other parties)
$  1.00
Money Orders
(Maximum $1,000 per money order)
$  1.00
ACH Origination (recurring) Free
ACH Origination (non-recurring) $15.00
Western Union
– Outgoing Domestic

Wire Transfer
– Incoming Domestic
– Incoming International
– Outgoing Domestic
– Outgoing International

CU Money Travel Cards $  6.00
VISA Gift Cards $  4.00
Faxing $  1.00
Levy/Garnishment/Legal Fee $100.00
McDonough County Property Taxes No Fee
Account Research Fee $15.00
Account Balancing Fee $20.00
Credit Xpert
(Credit Analyzer Report)
Subordination Agreement
(Home Equities)


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