Fee Schedule

(Effective October 1, 2016)

ATM & VISA Check Card Services

  • ATM or VISA Check Card
    • 1st card issued: FREE
    • Replacement fee: $8.00
    • Monthly fee: NONE
  • Card activity (per transaction)
    • BAECU ATMs: FREE
    • Foreign ATMs (in excess of 10/month): $1.00
    • Check Card fee per purchase: NONE

Checking Services

  • Check copy
    • Accessed through online banking: FREE
    • Paper copy: $3.00
  • Courtesy Pay: $25.00
  • Minimum balance: NONE
  • Monthly service charge: NONE
  • Non-sufficient funds (NSF) fee: $25.00
  • Overdraft Protection
    • Annual fee: NONE
    • ACH, BillPay, per posted item: $7.50
    • Checks, per day: $7.50
  • Per check charge: NONE
  • Starter checks: FREE
  • Stop payment: $20.00

Electronic Services/Online Banking

  • BillPay: FREE 1
  • Direct deposit: FREE
  • E-alerts notification service: FREE
  • Mobile banking: FREE
  • Mobile deposit: FREE
  • Online banking: FREE
  • Payroll deduction: FREE
  • Tele-R-Phone: FREE

Loan Services

  • Guaranteed Asset Protection
    • Non-recreational vehicles: $195.00
    • Recreational vehicles: VARIES
  • Home Equity
    • Line-of-credit annual fee: NONE
    • Origination fee: $150.00 2
    • Subordination fee: $150.00
    • Rewrite fee (current BAECU loans): $75.00
  • Late payment fee (% of payment): 5%
  • Mortgage 3
    • Application fee: $200.00
    • Pre-approval: FREE
  • Online loan closing: FREE
  • Personal line-of-credit annual fee: NONE

Other Services

  • Account research (per hour): $25.00
  • Certified checks: $10.00
  • Christmas club early withdrawal fee: $10.00
  • Coin machine: FREE
  • Collection fee: $35.00
  • Dormant account (per month after 12 months): $5.00
  • Foreign check collection: VARIES
  • Garnishments: $75.00
  • Gift card (VISA):  $2.50 each
  • Loan payment by debit card
    • Up to $1,000: $10.00
    • Over $1,000: $20.00
  • Money orders: $2.00
  • Return deposit item: $10.00
  • Tax levies & domestic relations: $75.00
  • Trust account review by attorney: $165.00
  • Undeliverable mail (per month): $5.00
  • Wire Transfers
    • Incoming (Continental U.S.): $10.00
    • Outgoing (Continental U.S.): $20.00
    • Outgoing (International): $30.00

VISA Credit Card Services

  • Annual fee: NONE
  • Balance transfer fee: NONE
  • Card replacement fee: $8.00
  • Cash advance fee: NONE
  • Late payment fee (if 20 or more days late): $15.00
  • Minimum finance charge: NONE
  • Over-the-credit limit fee: NONE
  • Purchase transaction fee: NONE
  • Returned check / NSF fee: $25.00

1 A non-usage fee of $10.00 per month will be assessed to your checking account if BillPay is not utilized for 90 consecutive days without written notice of cancellation to BAECU.

2 Member to pay $150 origination fee.  Credit Union to pay remaining closing costs, including appraisal fees, on behalf of the member (excludes title insurance when necessary).

3 Closing costs vary based on loan type.