"general fee schedule" Articles

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GENERAL FEE SCHEDULE

Please see your current Account Statement to determine your Universal Rewards Account Category: Vista, Signature, Preferred, Premier, or Pinnacle .

Effective Date: January 1, 2026

Fee Description Account Category & Fee Vista Signature Preferred Premier Pinnacle Savings Account Fees Main Account Closed, if closed within 6 months of opening $15.00 $15.00 $15.00 $15.00 $15.00 Signature Service Charge, per Month, if aggregate daily balance falls below $300 N/A $3.00 N/A N/A N/A Money Market Account Service Charge, per Month, if minimum daily balance ($2,000.00) is not maintained. $10.00 $10.00 $10.00 $10.00 $10.00 Money Market Account Excessive Withdrawal, per withdrawal, after first six (6) withdrawals per month at no charge $5.00 $5.00 $5.00 $5.00 $5.00 Money Market Account Minimum Withdrawal Charge, per withdrawal if withdrawal is less than $500.00 No Fee No Fee No Fee No Fee No Fee IRA /HSA Account Closed, if closed within 6 months of opening $15.00 $15.00 $15.00 $15.00 $15.00 ACH and Checking Account Fees Overdraft Transfer (per transfer) $5.00 $5.00 $5.00 $5.00 $5.00 NSF/UCF (per presentment) $30.00 $30.00 $30.00 $30.00 $30.00 Paid NSF (per presentment) $30.00 $30.00 $30.00 $30.00 $30.00 Paid NSF – ATM/Debit POS Up to $30.00 Up to $30.00 Up to $30.00 Up to $30.00 Up to $30.00 Returned ACH Debit (per presentment) $30.00 $30.00 $30.00 $30.00 $30.00 Stop Payment (per request) $30.00 $30.00 $30.00 $15.00 No Fee Release of Stop Payment (per request) No Fee No Fee No Fee No Fee No Fee Reinstatement of Revoked ODP $30.00 $30.00 $30.00 $30.00 $30.00 Check Printing - Prices vary depending upon style Varies Varies Varies Varies Free Basic Style Starter Checks per 8 No Fee No Fee No Fee No Fee No Fee Universal Freedom 500 Checking Service Charge, per month, if average daily balance is below $500.00 $10.00 $10.00 $10.00 $10.00 $10.00 Freedom Express Checking (per month) $15.00 $15.00 $15.00 $15.00 $15.00 Check Photocopy (per item) $5.00 $5.00 $5.00 $3.00 No Fee (3/Mo) ATM / VDC (VISA DEBIT CARD) FEES ATM / VDC Replacement $10.00 $10.00 $10.00 $10.00 $10.00 ATM Network Fee $1.50 (first 6 free/month) $1.50 (first 6 free/month) $1.50 (first 6 free/month) $1.50 (first 6 free/month) No Fee* Excessive Inquiry No Fee No Fee No Fee No Fee No Fee Debit Card Draft Copy No Fee No Fee No Fee No Fee No Fee EFT Fees eCommerce Representative No Fee No Fee No Fee No Fee No Fee Other Service Fees Account Research / Reconciliation (per hour minimum) $20.00 $20.00 $20.00 $10.00 No Fee Statement Copy (per statement) $5.00 $5.00 $5.00 $3.00** No Fee** Interim Statements $2.00 $2.00 $2.00 $2.00 $2.00 Returned Deposited Item (per item) $30.00 $30.00 $30.00 $30.00 $30.00 Copy of Deposited Check (per item) $5.00 $5.00 $5.00 $3.00 No Fee (3/Mo) Levies and Garnishments $25.00 $25.00 $25.00 $25.00 $25.00 Court Ordered Support Payments (per disbursement) $5.00 $5.00 $5.00 $5.00 $5.00 Verifications (6 months and more) $10.00 $10.00 $10.00 $10.00 $10.00 Wire Transfer Domestic (per transfer) $20.00 $20.00 $20.00 $15.00 $10.00 Wire Transfer International (per transfer) $40.00 $40.00 $40.00 $40.00 $40.00 Incoming Wire Fee $10.00 $10.00 $10.00 $10.00 $10.00 Money Order (per item) $2.00 $2.00 $2.00 $1.00 $1.00 Cashier’s Check (per item) – 2nd Party $5.00 $5.00 $5.00 $3.00 $1.00 Cashier’s Check Reissue (after 90 day period) $30.00 $30.00 $30.00 $15.00 No Fee Cashier’s Check Photocopy (per item) $8.00 $8.00 $8.00 $4.00 No Fee (3/Mo) Inactive Account, per month, per suffix, on account balances of $50.00 or less, after 12 months of inactivity on all accounts $5.00 $5.00 $5.00 $5.00 $5.00 Returned Statement for Invalid Address $5.00 $5.00 $5.00 $3.00 No Fee Coin Machine 5.0% 5.0% 5.0% 2.5% No Fee Safe Deposit Box Fees - Annual Rental (tax not included): 5 x 1.5 Safe Deposit Box $20.00 $20.00 $15.00 $10.00 No Fee 5 x 2.5 Safe Deposit Box $25.00 $25.00 $20.00 $15.00 No Fee 10 x 3 Safe Deposit Box $45.00 $45.00 $35.00 $30.00 $15.00 10 x 6 Safe Deposit Box $65.00 $65.00 $55.00 $50.00 $35.00 10 x 10 Safe Deposit Box $100.00 $100.00 $90.00 $85.00 $70.00 Change of Locks $10.00 $10.00 $10.00 $10.00 $10.00 Drilling of Boxes $150.00 $150.00 $150.00 $150.00 $150.00 Contents of safe deposit boxes are not insured by NCUA (National Credit Union Administration) nor by Universal 1 Credit Union, Inc Non-member Check Cashing Fee - $ 5.00 The fees appearing in this Schedule will be effective as of the Effective Date printed on Page 1. If you have any questions or require current fee information on your accounts, please call the Credit Union.

This Credit Union is Federally Insured by the National Credit Union Administration. *Some ATM owners may impose surcharge fees - in addition to usual transaction fees financial institutions charge. **Premier – $3.00 per statement from the past 12 months, $5.00 for statements older than 12 months; **Pinnacle – No fee per statement from the past 12 months, $5.00 for statements older than 12 months.

U1CU members will not be assessed a surcharge fee at Alliance One or CO-OP ATM’s.