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Are you “fee’d” up with fees? We’ll take a look at your account and advise you how to avoid certain fees.

Share Draft Service Charges2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
2These items subject to applicable state and city taxes.
Free Checking
No minimum balance, no monthly service charges, no limits on check writing
Free
1st Rate Checking
Failure to maintain $5,000 average daily balance during calendar month
$10.002
Deposit items over 125 per month$0.202 each
Checks written over 125 checks per month$0.202 each
Note: The following items pertain to both Free and 1st Rate Checking Accounts
Non-sufficient funds (NSF) return$28.00 per item
Overdraft (each debit or check paid)$28.00 per item
Point of Sale (POS) and ATM overdrafts$28.00 per item
MICR unreadable drafts (not ordered through Dupaco)$28.00 per item
Stop payment—Check, ACH, Bill Pay$28.002 per item
Dupaco custom checks$18.00 for 100 checks
Check printing feesPrices vary by style
Account reconciliation fee$25.002 per hour
Temporary drafts$3.002
Share draft registersNo charge
Abandoned account fee (unclaimed share fee before escheating to the state)$50.00
Savings & Money Market Service Charges2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
Savings account transfers/withdrawals exceeding six per month per account. Does not apply to checking accounts. (Per Regulation D, transfers/withdrawals considered include: Online, Presto, and telephone requests, overdraft transfers, ACH withdrawals, and periodic payments. Does not include transfers for loan payments, ATM withdrawals or in-person transactions.)$3.00 each
IMMA/Investor's Choice/High Yield transfers/withdrawals exceeding six per month. Minimum transfer of $250 to available limit. (Per Regulation D, transfers/withdrawals considered include: Online, Presto, and telephone requests, overdraft transfers, ACH withdrawals, and periodic payments. Does not include transfers for loan payments, ATM withdrawals or in-person transactions.)$5.00 each
Term Share Certificate & IRA Penalties2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
Early withdrawal (term 12 months or shorter)Full term loss of interest
Early withdrawal (term longer than 12 months)12 months loss of interest
Variable IRA shares (if under age 59½)6 months loss of interest or $5.00 minimum penalty (whichever is greater)
IRA Service Charges2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
Annual feeNone
Closing (if under age 59½)$25.00
External transfer$25.00
Teller & Cash Handling Service Charges2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
2These items subject to applicable state and city taxes.
Check-cashing fee (non-member)$5.00 each
Returned deposited item (business only)$5.002
Returned loan payment from other financials$28.00
Special statement handling$3.002 each
Undeliverable statement/address correction$5.00
Money orders$3.00 each
Certified draft$3.002 each
Official Dupaco check (members)$3.00 each
Official Dupaco check (non-members)$5.00 each
Wire transfer incoming$5.00 each
Wire transfer outgoing (domestic)$20.00 each
Wire transfer outgoing (international)$55.00 each
Foreign currency withdrawals/deposits (includes Canadian checks)$30.00
Account closed within 6 months from open date$25.00
Inactive account (Dupaco closed, send check)$25.00
Membership—reopening within six months of closing$25.00
Telephone transfer handled by staff$2.002 per transfer
Staff-assisted balance inquiry by phone (>8 inquiries per month)$2.002 each
Self-service coin counting (non-members or if funds not deposited)5% of total2
Rolled coin$0.10 per roll
Visa & MoneyCard Service Charges2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
2These items subject to applicable state and city taxes.
ATM/MoneyCard transactions at Dupaco-owned ATMsFree
Non-Dupaco ATMs (>8 transactions per month)$0.502 each
Immediate Visa credit availability update$5.00
Visa late payment feeUp to $15.00 or the minimum payment due, whichever is less, if you are 4 or more days late
Non-sufficient funds (NSF) return$28.00 per item
Replacement fee for ATM/debit and credit cards$10.002
Rush fee for ATM/debit and credit cards$50.002
Copy of receipt or Visa statement$11.00
Visa cash advance fee—1.5% of advance amount. Min. cash advance amount $100 to available limit. (Min. $3—Max. $15 fee)1.5% of advance
Foreign transaction fee1% of foreign transaction amount
Stop payments on checks issued off a Visa credit card$30.00
Online Bill Pay Service Charges2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
2These items subject to applicable state and city taxes.
Per bill paid or attempted to pay (Free when you meet and maintain $1,500 in total deposits or total loans at Dupaco AND are signed up for eStatements)$0.502
Mobile depositFree
Safe Deposit Box Service Charges2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
Box rental (debited from credit union account on anniversary date)Varies by box size
Safe deposit box past due late fee$10.00
Lost key replacement$100.00
Drill box open$175.00
Copy & Fax Service Charges2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
2These items subject to applicable state and city taxes.
Document copy$1.002 per page
Fax (inside continental U.S.)
Calls outside the U.S. will be charged standard fee plus long-distance charges.
$5.002 per page
Notary service (non-member)$5.00
Other Service Charges2019 Fee1
Fees subject to change. Updated 2/1/2019.
12019 fees effective 2/1/2019.
2These items subject to applicable state and city taxes.
Garnishment$50.00
Account research (request for information older than 6 months)$25.002 per hour
Signature guarantee (non-member transactions)No longer offered
Signature guarantee (Dupaco Financial Services transactions)$15.00 each
Dupaco deposit zipper bag$3.00
Dupaco deposit locked zipper bag$35.00
Business self-inking stamp$16.002
Business rubber stamp$9.002
Levy fee$25.00
Child support fee$10.00
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