Account
and
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.
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 |
| WICU ATM | Free |
| Other financial institution ATM | Fee varies |
| Courtesy pay (Item paid and not returned NSF) |
$25.00 |
| Overdraft Protection (Funds transferred from share account to clear item) |
$ 5.00 |
| Returned deposit items | $ 5.00 |
| Non-sufficient funds (Item returned NSF) |
$30.00 |
| 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 |
— $25.00 |
| Wire Transfer – Incoming Domestic – Incoming International – Outgoing Domestic – Outgoing International |
— $10.00 $20.00 $25.00 $60.00 |
| 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) |
$20.00 |
| Subordination Agreement (Home Equities) |
$100.00 |