Fee Schedule

Notice: Our service fees require periodic adjustments to align with the increased cost of business.

Effective 05/31/2025, the following changes to Spectra Credit Union’s fee schedule will be implemented.

FREE Services for Members

  • Digital Banking
  • Digital Debit Card Controls
  • Digital Check Copies
  • Digital Bill Pay
  • eDocuments
  • VISA Debit Card
  • Remote Deposits
  • ATM Deposits
  • PIN Replacement
  • Account History
  • Electronic Teller Phone Banking
  • Financial Counseling
  • Medallion Signature Guarantee
  • Coin Counter
  • Notary
Check Fees
Current Fee
New Fee
Spectra FCU Checks
Current Fee

1st BOX FREE

New Fee

1st BOX FREE

Other Checks
Current Fee

$27.24 and up

New Fee

$27.24 and up

Returned Check Fee
Current Fee

$30.00

New Fee

$30.00

Returned Deposit
Current Fee

$10.00

New Fee

$10.00

Stop payments (check, check series, or ACH)
Current Fee

$20.00

New Fee

$20.00

ATM withdrawals per month
Current Fee

10 FREE then $1.00 each

New Fee

10 FREE then $1.00 each

Paper Statements
Current Fee

$2.00 per month

New Fee

$3.00 per month

Replacement/Extra Debit/ATM Card
Current Fee

$5.00

New Fee

$5.00

Inactive Account Fee
Current Fee

$5.00 per month

New Fee

$6.00 per month

Overdrawn Account Fee
Current Fee

$30.00 per transaction

New Fee

$30.00 per transaction

Garnishment/Levy Processing
Current Fee

$100 each

New Fee

$100 each

Payments by Non-Spectra FCU Credit Cards
Current Fee

$3.50 - $301.00

New Fee

$3.50 - $301.00

Certified/Official Checks
Current Fee

$5.00 each

New Fee

$5.00 each

Money Order
Current Fee

$2.00 each

New Fee

$2.00 each

Wire Transfers - Domestic
Current Fee

$20.00 each

New Fee

$20.00 each

Wire Transfers - Foreign
Current Fee

$40.00 each

New Fee

$40.00 each

Account research
Current Fee

$15.00 an hour

New Fee

$15.00 an hour

Skip a Pay - Online
Current Fee

$25.00 per payment

New Fee

$25.00 per payment

Skip a Pay - In-Person
Current Fee

$35.00 per payment

New Fee

$35.00 per payment

Loan Subordination
Current Fee

$100.00

New Fee

$100.00

Returned Mail/Invalid Address
Current Fee

$0.00

New Fee

$5.00 per month

Escheatment Account Processing Fee
Current Fee

$0.00

New Fee

$60.00 per account

Account Fees
Current Fee
New Fee
Spectra FCU Checks
Current Fee

1st BOX FREE

New Fee

1st BOX FREE

Other Checks
Current Fee

$27.24 and up

New Fee

$27.24 and up

Returned Check Fee
Current Fee

$30.00

New Fee

$30.00

Returned Deposit
Current Fee

$10.00

New Fee

$10.00

Stop payments (check, check series, or ACH)
Current Fee

$20.00

New Fee

$20.00

ATM withdrawals per month
Current Fee

10 FREE then $1.00 each

New Fee

10 FREE then $1.00 each

Paper Statements
Current Fee

$2.00 per month

New Fee

$3.00 per month

Replacement/Extra Debit/ATM Card
Current Fee

$5.00

New Fee

$5.00

Inactive Account Fee
Current Fee

$5.00 per month

New Fee

$6.00 per month

Overdrawn Account Fee
Current Fee

$30.00 per transaction

New Fee

$30.00 per transaction

Garnishment/Levy Processing
Current Fee

$100 each

New Fee

$100 each

Payments by Non-Spectra FCU Credit Cards
Current Fee

$3.50 - $301.00

New Fee

$3.50 - $301.00

Certified/Official Checks
Current Fee

$5.00 each

New Fee

$5.00 each

Money Order
Current Fee

$2.00 each

New Fee

$2.00 each

Wire Transfers - Domestic
Current Fee

$20.00 each

New Fee

$20.00 each

Wire Transfers - Foreign
Current Fee

$40.00 each

New Fee

$40.00 each

Account research
Current Fee

$15.00 an hour

New Fee

$15.00 an hour

Skip a Pay - Online
Current Fee

$25.00 per payment

New Fee

$25.00 per payment

Skip a Pay - In-Person
Current Fee

$35.00 per payment

New Fee

$35.00 per payment

Loan Subordination
Current Fee

$100.00

New Fee

$100.00

Returned Mail/Invalid Address
Current Fee

$0.00

New Fee

$5.00 per month

Escheatment Account Processing Fee
Current Fee

$0.00

New Fee

$60.00 per account

Services
Current Fee
New Fee
Escheatment Account Processing Fee
Current Fee

$0.00

New Fee

$60.00 per account

Returned Mail/Invalid Address
Current Fee

$0.00

New Fee

$5.00 per month

Loan Subordination
Current Fee

$100.00

New Fee

$100.00

Skip a Pay - In-Person
Current Fee

$35.00 per payment

New Fee

$35.00 per payment

Skip a Pay - Online
Current Fee

$25.00 per payment

New Fee

$25.00 per payment

Account research
Current Fee

$15.00 an hour

New Fee

$15.00 an hour

Wire Transfers - Foreign
Current Fee

$40.00 each

New Fee

$40.00 each

Wire Transfers - Domestic
Current Fee

$20.00 each

New Fee

$20.00 each

Money Order
Current Fee

$2.00 each

New Fee

$2.00 each

Certified/Official Checks
Current Fee

$5.00 each

New Fee

$5.00 each

Payments by Non-Spectra FCU Credit Cards
Current Fee

$3.50 - $301.00

New Fee

$3.50 - $301.00

Garnishment/Levy Processing
Current Fee

$100 each

New Fee

$100 each

Overdrawn Account Fee
Current Fee

$30.00 per transaction

New Fee

$30.00 per transaction

Inactive Account Fee
Current Fee

$5.00 per month

New Fee

$6.00 per month

Replacement/Extra Debit/ATM Card
Current Fee

$5.00

New Fee

$5.00

Paper Statements
Current Fee

$2.00 per month

New Fee

$3.00 per month

ATM withdrawals per month
Current Fee

10 FREE then $1.00 each

New Fee

10 FREE then $1.00 each

Stop payments (check, check series, or ACH)
Current Fee

$20.00

New Fee

$20.00

Returned Deposit
Current Fee

$10.00

New Fee

$10.00

Returned Check Fee
Current Fee

$30.00

New Fee

$30.00

Other Checks
Current Fee

$27.24 and up

New Fee

$27.24 and up

Spectra FCU Checks
Current Fee

1st BOX FREE

New Fee

1st BOX FREE

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