Fee Schedule

Share Account Fees 
Returned Mail Fee $5.00 per month after two (2) statement cycles
Christmas Club Early Withdrawal Fee  $10.00 per withdrawal
Money Market Accounts 
Withdrawal Fee $10.00 per withdrawal (6 free per month before fee is incurred)
Monthly Service Fee $15.00 (if account falls below $5,000)
Checking Account Fees 
Privilege Pay $25.00 per item
NSF Fee  $25.00 per item
Returned Item Fee
(ie: check you deposited)
Stop Payment Fee  $26.50 per item
Check Printing Fee  Prices will vary depending upon style of checks
Check Copy Fee  $2.00 per item
Overdraft Transfer From Other Account Fee  $2.00 per transfer
Hobby Checking Account Service Fee  $15.00 per month
Hobby Checking Account Monthly Transaction Fee $15.00 per month
Other Service Fee  (Applicable to all accounts)
Account Reconciliation Fee $20.00 per hour after one (1) request, one (1) hour minimum
Account Research Fee $20.00 per hour after one (1) request, one (1) hour minimum
Statement Copy Fee $2.00 per copy
Deposited Item Return Fee $5.00 per item
Wire Transfer (incoming) Fee $5.00 per transfer
Wire Transfer (outgoing) Fee $20.00 per transfer
International Wire Transfer Fee $40.00 per transfer
Cashier's Check Made Payable to Other Than Member Fee  $3.00 per check
Cashier's Check Stop Payment Fee (lost or stolen)  $5.00 per request (with a significant waiting period prior to re-issue)
Deposited Item Stop Payment Fee $5.00 per item
Deposited Item Copy Fee $4.00 per copy
Money Order Fee  $1.50 per Money Order
Legal Process Fee  $25.00
Inactive Account Fee  $5.00 per month after one (1) year of inactivity and account under $125.00
Account Closure Fee  $20.00 if closed within 90 days of opening/re-opening
Account Re-Open Fee  $20.00 if opened within 90 days of closure
Non-Member Check Cashing Fee $15.00 or 1% of amount of check; whichever is greater
IRA Fees 
Opening Fee $15.00 - Minimum balance $1,000
Closure Fee $15.00 if open less than one year
Electronic Funds Transfer Fees
Non-proprietary ATM Withdrawal or Transfer Fee $0.75; no charge for deposits
No - Charge Withdrawals The first eight (8) transactions per month are FREE; $0.75 per transaction
thereafter; "swipe and sign" transactions are always free
ATM/Debit Card Replacement Fee $5.00 per card
Additional ATM Card Fee $2.00 per card
NSF/Card Card Capture Fee $20.00 per item
Out-of-State ATM $1.00 per transaction
Debit Card Fees 
Debit Cards can also be used as an ATM Card See previous EFT section for applicable fees
Fees When Used As POS Purchase None
Check Cashing Fees 
Member with only basic savings account (S1) AND with a balance of less than $100 PRIOR to transaction  $1.00 per $100 of check, up to maximum of $5.00
Misc Fees 
ATM Empty Envelope Deposit $25.00 each
Mortgage Subrogation Fee $35.00
Loan Coupon Fee at Loan Issuance $10.00
Line of Credit Adv ($100 min. per request) $5.00/request
Overdraft Loan Adv ($50 min. per request) $1.00/adv
One Time ACH Member initiated payment over the phone $5.00
Converting a member check to a non-member cashiers check $5.00/check
Bill Payment Returned Item or Photocopy $10.00
Coin counting fee for amounts greater than $50 will cost 2% of the amount counted

Savings Accounts

Check out our Checking Accounts


Journey Credit Union
PO Box 1496
Des Moines, Iowa  50305-1496
Phone: (515) 243-8735
Toll-free: (800) 828-8050
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