SERVICE FEES

ACH ORIGINATION SERVICE 

ACH fees will be assessed in accordance with Member’s 
applicable ACH Agreement. 

ATM/DEBIT CARD FEES 

Some non-Royal Credit Union no fee terminal owners may 
impose additional transaction fees, which will be posted at that 
terminal 
• Overdraw account through use of card1 

o Transaction $0.01 - $10.00
o Transaction $10.01 or greater

• Attempt to use closed card or card reported lost or stolen

* Will charge for copies of drafts and machine receipts, 
together with hourly fees for searching our records - Fees 
according to our then current fee schedule but will not charge 
if the request is a billing error under the Fair Credit Billing Act

CHECKING AND MONEY MARKET ACCOUNT SERVICE FEES 

Check Printing Fee - For Royal Exclusive Checks 

• 100 checks
• Age 55+ price (100 checks) 

• 50 checks 

Deposit Ticket and non-standard check fees - May vary  
according to market price 

Courtesy Pay and Debit Card Coverage (Paid NSF)1 

• Per item fee (This fee may be created by checks, in-person 
withdrawals, ATM withdrawals, check card transactions, debit 
card transactions or by electronic means.) 

o Item $0.01 - $10.00
o Item $10.01 or greater

Inactive Account Fee 

• Per month fee to Members age 18+ with Savings or
Checking Accounts of $25 or less, inactive for 6 months or 
more and with no other active services on that account. 

Non-Sufficient Funds (NSF) Fee1 

• Per item fee (Checking, Savings, Money Market, HSA 
accounts) 

o Item $0.01 - $10.00
o Item $10.01 or greater

• Over the Limit Fee per item fee (HELOC)

o Item $0.01 - $10.00
o Item $10.01 or greater

Smart Checking Plus 

$10.00 

$30.00 

$65.00 

$17.00 
$8.00 

$8.00 

$10.00 
$30.00 

$1.00 

$10.00 

$30.00 

$10.00 

$30.00 

• Per month fee if balance falls below $700.00 minimum at any
time during the month 

$10.00 

VISA SERVICE FEES 
Prepaid Visa 

• Processing fee per card 
• Inactivity Fee after 12 months of inactivity

$2.50 
$2.95 

Royal Consumer & Commercial Rewards Visa Credit Card 

• Cash Advance Fee-3% of transaction amount with minimum of 
$10.00 (maximum) 

• Minimum Finance Fee 
• Late Payment Fee (maximum) 
• NSF check or ACH transaction returned (maximum)

$75.00 
$0.50 
$35.00 
$35.00 

• Over the limit fee (Commercial only) 

$10.00 

* Will charge for machine receipts, together with hourly fees for
searching our records - Fees according to our then current fee 
schedule but will not charge if the request is a billing error under 
the Fair Credit Billing Act 

SERVICE FEES SUBJECT TO CHANGE WITHOUT NOTICE. 

OTHER SERVICE 
FEES Business Bill Pay 

Below  are  pass  through  fees  that  are  charged  by  vendors  of 
Royal  Credit  Union  for  services  and  other  items.  There  will  be 
no charge for any item if needed to correct a Royal error.

• Written Correspondence to “payee” 

• Per proof of payment not necessitated by a dispute
• Payments returned due to Member error
• Reinstatement Fee 
• Cancellation Fee 
• ACH Return Fee 
• Express Mail Correspondence 
• Overnight Fee (Bill Pay/Business Bill Pay) 
• Second Day Fee (Bill Pay/Business Bill Pay) 
• Charitable Donations
• Gift Pay

$10.00 

$10.00 
$5.00 
$50.00 
$7.50 
$10.00 
$15.00 
$14.95/$19.95 
$9.95/$14.95 
$1.99 
$2.99 

Collection Items 

• Per Outgoing - plus any pass-through fees from other
financial institutions 
• Incoming - (Royal receives item for collection)

Call Center Fees 

• Loan payment via debit card 

Consumer Online Fees 

• Next day financial to financial
• Next day Popmoney®

• Loan payment via debit card 

Garnishment Fee 

• Per garnishment processed 

Municipal or Bond Coupon 

• Per envelope 

Returned Direct Payment Authorization 

• For all returned items
Safe Deposit Box Annual Fees 

• 3’’ x 5’’ x 22’’
• 3’’ x 10’’ x 22’’
• 5’’ x 5’’ x 22’’
• 5’’ x 10’’ x 22’’
• 6’’ x 10’’ x 22’’
• 9’’ x 10’’ x 22’’
• 10’’ x 10’’ x 22’’
• 10’’ x 15’’ x 22’’
• 15’’ x 22’’ x 22’’
• Replacement Key
• Drilling of box - ask for current cost 
• No insurance coverage is provided on box content

Tax Levy Fee 

• Per tax levy processed 

Wire Transfers 

• Domestic Outgoing 
• International Wire Transfers (Businesses Only)

$10.00 

$10.00 

$10.00 

$3.00 
$3.00 

$10.00 

$25.00 

$8.50 

$4.00 

$20.00 
$40.00 
$30.00 
$50.00 
$60.00 
$75.00 
$85.00 
$120.00 
$150.00 
$30.00 

$25.00 

$5.00 
$35.00 

1. Fee is charged for each presentment or submission. You will be charged 

a Courtesy Pay, Debit Card Coverage, or NSF fee when we return, 
reject, or pay transactions against your account that would exceed your 
available balance. A transaction that you have authorized (such as a 
check or an ACH debit) may be presented or submitted multiple times 
and you could be charged multiple NSF fees if we return or reject the 
transaction multiple times (and a Courtesy Pay or Debit Card Coverage 
fee if the transaction is paid).

841 10/05 (Rev. 07/20)

PO Box 970, Eau Claire, WI 54702-0970  ● 800-341-9911  ●   rcu.org