Fees Effective August 27, 2025

Free Services

  • Bill-pay….. No charge for using regular bill-pay, fee on overnight mail
  • Carfax reports….. If part of a loan request: free: for other reasons, see fees listed below
  • Cashier’s checks….. Free, even to third-party payees
  • Checking and savings accounts….. No monthly fee, could be charged fees listed below
  • Credit card application….. No application fee
  • Direct deposit form or automatic transfers form….. Free
  • Early loan payoffs….. Free
  • E-Statements….. Free
  • Home banking transfers between accounts….. Free
  • Home banking….. Free
  • Initial debit card on checking accounts….. Free
  • Notary service for members and their families….. Free
  • Online bank transfers between accounts….. Free
  • Overdraft transfers from share accounts….. Free: if no money, subject to NSF fees listed below
  • Telephone balance request….. Free
  • Telephone transfer….. Free

 

 Services with Fees

  • Account research, per hour billed one hour up front before starting….. $40
  • Audit document fee: any audit request to be filled out by credit union staff….. $5
  • Bill-pay overnight mailed check….. $45
  • Carfax request: non-loan related; member or eligible for membership….. $5
  • Check orders: built into the cost of the check order….. Various, by check order
  • Closing an existing account and reopening a new or pre-existing account….. $10
  • Credit union letterhead form/letter for credit union loan payoff….. $5
  • Debit card fraud if reported after 2 business days….. Up to $500
  • Debit card fraud if reported within 2 business days….. Up to $50
  • Debit card transactions used to deposit into credit union accounts for any reason….. $5 each
  • Deed of reconveyance….. $50
  • Deposited item return, other than NSF: share and share draft accounts….. $35
  • Early withdrawal from club savings accounts: holiday and vacation: account stays open….. $5
  • Emailed statement copy: outside of online e-statements, waived if system error….. $3
  • Escheatment notice (turning unclaimed money over to State of NE)….. $5.
  • Fraudulent or suspicious transactions reporting to Fincen (SAR Form)….. $40
  • Incoming wire….. $15
  • International ATM withdrawal….. 1% of transaction
  • Late loan payment: charged after 10 days late….. 5% of Payment
  • Loan advance: line of credit per advance….. $2
  • Loans without titles after 90 days: loan add-on….. $50 first, $75 second, $100 third & on
  • Locator fee: invalid member information….. $10
  • Money order….. $5
  • New account closed after being open for less than 90 days….. $10
  • Non-member cashing checks: taken out of cashed check: Union Adventist Univ. excluded….. $3
  • Non-refundable loan application fee: must be received before loan is processed….. $25
  • Non-regularly scheduled/one time bank transfers from exterior bank account….. $3 each
  • NSF check and NSF ACH….. $35
  • Outgoing wire and incoming wire return….. $30
  • Overnight mail….. $3 & Postage Cost
  • Paid NSF items….. $30 each
  • Per day, holidays and weekends, continuous negative balance: share and share drafts….. $2
  • Priority mail….. $3 & Postage Cost
  • Redeposit returned check if original return was NSF….. $5
  • Refinance existing Lincoln SDA Credit Union loan: not subject to regular loan app fee….. $75
  • Returned mail due to bad address and unclaimed….. $5 each
  • Skip payment on each loan skipped; per calendar year….. See below
    • First skip payment on each loan skipped….. $25
    • Second skip payment on each loan skipped….. $35
    • Third skip payment on each loan skipped….. $50
  • Statement copy/account history printout per page: share and share draft accounts….. $3
  • Stop payment: share and share draft accounts; includes cashier’s checks….. $30
  • Title by certified mail….. $30
  • VISA card recovery by merchant….. $65
  • VISA credit card cash advance….. $2
  • VISA credit card late payment….. Up to $25
  • VISA credit card priority mail rush….. $12
  • VISA credit card return payment….. Up to $25
  • VISA credit card statement copies….. $12
  • VISA debit card non-network ATM withdrawals….. $2
  • VISA debit replacement card….. $10 first, $15 second, $20 third, $25 fourth & on

 

 

Disclosure: all fees are current as of the date listed and approved by the board of directors. All fees are subject to change without warning or advance notice by the board of directors.