Bay Cities Credit Union
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General
  1. Membership: $10 membership fee (new Members).
  2. ATM savings account access only: $5 annually.
  3. Closed account: $10 fee when regular, special, or club account is closed within 6 months of opening.
  4. Account or Bill Pay research or reconciliation: $50 per hour, plus $1 per document copy.
  5. Foreign Collection item: $20 per item.
  6. Wire transfer of funds: $20 USA; $30 foreign.
  7. Deposited checks that are returned unpaid: $25 per item.
  8. Locator fee: $5 per quarter for returned mail.
  9. Stop payment of Credit Union Cashier's Checks: $20 each.
  10. Western Union Wire: Western Union cost + $5.
  11. Travelers Checks: 1.5% of face value. No charge for members who have a combined account balance of $1,000.
  12. Cashier's Checks payable to 2nd Party: $5 each. No charge for members with a combined balance of $1,000.
  13. Cashier's Checks issued to non-members: $20 each.
  14. Automated bill paying service: $5 per check. No charge for members with a combined balance of $1,000.
  15. Charge for "Rushed" ATM Card, Visa® Debit Card, Visa® Credit Card or PIN: $30 each.
  16. Charge for ATM, Visa® Debit or Visa® Credit Cards mailed to the Hayward Service Center: $30 each.
  17. Tax Levies $25 for each tax levy.
  18. Duplicate statements/printouts: $1 current month, $5 prior month.
  19. Redeposit of Stale-Dated BCCU Cashier's Checks (over 6 months old): $5 each.
  20. Online Bill Pay stop payment charge: $30 each.
  21. Online Bill Pay check copy: $20 per check.
  22. Notary Fee for Members or non-members: $10.
  23. Membership reopening fee: $10.
  24. Coin counting fee: 2% of coin run.
  25. Credit Report research fee: $25.
  26. Verification of Deposit fee: $10 per verification.
  27. Cashier's Check Copy: $10 per check.
  28. Check cashing fee: 1.5% of face value (includes non-members cashing a Bay Cities check). No charge for members who have a combined balance of $1,000, or make a minimum deposit of $100. No third-party checks accepted.
  29. Inactivity fee: $5 per month after 12 months of no activity.
  30. Check-By-Phone: $10 per check.
  31. Escheat Letter Fee: $2.

Savings / Money Market

  1. Below minimum balance: $5 monthly.
  2. Regular Savings Account: $5 fee for withdrawals over 6 per quarter. $0 if combined balance is $500 or more.
  3. Club accounts: There will be a $5 fee for every withdrawal over 1 per year.
  4. ATM transaction fee on savings account: $1 fee for every withdrawal over 6 per quarter. No charge for members who have a balance of $1,000. No ATM transaction fees with a minimum $25 payroll deduction or direct deposit.

Checking, ATM and Visa® Debit Card -- Changes effective 9/1/2010

  1. Express Checking Monthly Fee:
    $0 with e-Statements and Direct Deposit.
    With e-Statements OR Direct Deposit - $5.
    Without e-Statements & Direct Deposit - $10.

    Star Checking Monthly Fee:
    $5 with either e-Statements or Direct Deposit.
    Without e-Statements or Direct Deposit - $10.

    1st Checking Monthly Fee:
    $0 with e-Statements.
    Without e-Statements - $5.

    Dividend Checking Monthly Fee: $5.
    $0 with average daily balance of $1000.

  2. Returned checks non-sufficient funds: $25 per check.
  3. Overdrawn Fee: $25 per item.
  4. Stop payment: $20 per check or consecutively numbered group of checks.
  5. Copy of paid checks: $5 per check exceeding 2 per statement.
  6. Copy of deposited or redeposited items: $5 per item exceeding 2 per statement.
  7. Lost ATM or Visa® Debit Card Replacement: $5 per card.
  8. ATM deposit adjustment: $25 per item.
  9. Empty ATM envelopes: $25 per envelope.
  10. Rejected Automated Clearing House (ACH) debit: $25 per item.
  11. Automated Clearing House (ACH) stop payment: $20 per item.
  12. Automatic Overdraft Fee: Express Checking - $1 for each share savings transfer. Transfer from Automatic Overdraft Line of Credit Loans - $0.
  13. Check Orders:
    Express and Dividend Checking - 1 Check Order free annually.
    Star & Youth Checking - 1st Box free at time of account opening.
  14. Cashier’s Checks paid to 2nd party:
    Express and Dividend Checking - $0.
    Star & Youth Checking - $5.
  15. Traveler’s Checks:
    Express and Dividend Checking - $0.
    Star and Youth Checking 1.5% of face value - no charge for members who have a combined account balances of $1,000.

Mortgage Loan Accounts

  1. Subordination Fee: $100.

Loan Accounts

  1. Demand for Payoff: $30.
  2. Lien Satisfied: $10.

CU Service Center Fees for Financial Services Cooperative - Western Region

You must have your Bay Cities account number and Driver's License or State ID in order to use CU Service Centers.

  1. Cash Withdrawals up to $500: Free.
  2. Check Withdrawals: $5 each.
  3. Cash Deposits: Free.
  4. Coin Deposits: Verify availability and fees.
  5. Check Deposits: Up to 10 free, 11 or more checks per deposit $0.17 per check.
  6. Fax Request: $3 first page, $1 each additional page.
  7. Traveler's Checks: 1% of face value.
  8. Dual Traveler's Checks: 1.5% of face value.
  9. Photocopies: $0.50 each.
  10. Notary Service: Notary Public's posted fee as allowed by the State's law.

To find a Service Center near you go to www.cuswirl.com or call 1-888-CU SWIRL
(888-287-9475).

Revisions effective 8/15/10



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We Do Business in Accordance With Federal Fair Lending Laws


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA National Credit Union Administration, a U.S. Government Agency.

revised 8.15.2010
This page may contain links that take you off the Bay Cities website. Bay Cities is not responsible for content or availability of linked sites. We do not provide, and are not responsible for, the product, service, or overall website content available at any linked third-party sites. Bay Cities does not represent either the third party site or the viewer if the two enter into a transaction. The Credit Union's privacy polices do not apply to linked websites and you should consult the privacy disclosures on that site for further information.