Fees

Fees

Free Services
Fees
Checking Account Services

Totally Free Checking monthly service fee

None

Value Checking monthly service fee

None (if $500 minimum average daily balance maintained)

Business Checking I monthly service fee (per item fees may apply; see below)

None

Business Checking II monthly service fee (per item fees may apply; see below)

None (if $5,000 minimum average daily balance maintained)

Business Checking III monthly service fee (per item fees apply; see below)

None

Online travel notifications

Free

Check Printing for Advantage Plus Checking members

One free package of checks a year

Visa TravelMoney Prepaid Cards for Advantage Plus Checking members

Free issue

Savings Account Services

Below minimum balance fee (per month)

None

Prizes for Tracker Kids Club members who earn and redeem pawprint stamps for saving their money at the credit union

Free

Money Market Account Services

Below minimum balance fee (per month)

None

Debit Card Services

Instant-issue Visa debit card with EMV chip

Free

Debit card transactions

Free

Credit Card Services

Visa Platinum credit card with EMV chip

Free

Transaction fee on purchases

None

Cash advance fees

None

Balance transfer fees

None

Monthly/annual fees

None

Auto rental insurance

Free

Warranty manager service

Free

Travel and emergency assistance

Free

90-day product registration

Free

Payment card protection

Free

Travel reservation service

Free

Rewards points for transactions redeemable at CURewards.com

Free

Loan Services

Closing costs on home equity loans and home equity lines of credit

None (unless repaid within the first 12 months) Saves borrowers $500-$1,500

Application and origination fees on loans

None

Set up recurring loan payments by phone

Free

Pay an Arsenal Credit Union loan with an outside financial institution account through online or mobile banking

Free

Shared Branches

Make deposits and withdrawals

Free

Make loan payments

Free

Transfer funds between accounts

Free

Purchase money orders and cashier's checks

Free

Obtain cash advances

Free

Make balance inquiries

Free

Access more than 50 credit union shared branches in the St. Louis area and more than 5,600 credit union shared branches in the United States to transact business on your Arsenal account(s).

ATM Services

Transactions at Arsenal branch ATMs

Free if using an Arsenal card

Transactions at more than 250 local and nearly 30,000 nationwide CO-OP Network ATMs

Free if using an Arsenal card

Other Services

Notary service for members

Free

Self-service coin-counting machines (Arnold and Webster Groves branches)

Free

$1,000 accidental death and dismemberment insurance for members age 18 and older

Free

Paper shredding and electronics recycling events at branches

Free

Financial education materials on website and in branches

Free

Financial seminars at our branches

Free

Financial presentations in schools

Free

Financial curriculum materials for teachers

Free

Direct deposit

Free

Incoming money transfers

Free

PIN change

Free

Get a quote on auto/home/life insurance through TruStage

Free

Senior Services

Account transfers conducted over the phone

Free

Basic checks (printing)

One free package of checks per year

Digital Services

Online banking

Free

Mobile banking on the Arsenal app (Apple iOS and Android OS)

Free (data charges may apply)

Text message banking

Free

Automated teller phone banking (audio response inquiries/transactions)

Free

Online bill pay and presentment

Free

Send and receive money with Zelle®

Free

Money Management – online financial management tool

Free

Purchase Rewards

Free

Mobile Payments (Apple Pay, Google Pay, Samsung Pay)

Free (data charges may apply)

Mobile Check Deposit

Free

eStatements

Free

CardKey card management app

Free

Paper statements for members age 17 and under and age 65+

Free

Checking Account Fees

Stop Payment – One or more checks, Online Banking, Mobile, Bill Pay and ACH

$28.00

Overdraft transfer (from savings account)

$5.00

Nonsufficient funds (includes checks, preauthorized ACH withdrawals and online bill pay)

$28.00 each

Uncollected funds (includes checks, preauthorized ACH withdrawals and online bill pay)

$28.00 each

Courtesy Pay or any overdraft (each debit, including ATM and ACH transactions, or check paid that creates a negative balance)

$28.00 per item

Below minimum balance (Value Checking)

$4.00 per month

Collection item (incoming and outgoing)

$25.00

Advantage Plus service

$4.00 per month

Business Checking I

$0.25 per transaction over 200

Business Checking II

$20.00 per month; $0.50 per transaction over $500. Waived with $5,000 average daily balance

Business Checking III

$0.10 per transaction

Plastic Card Fees

Card replacement

$7.00 per card

Abuse/revoke

$15.00

ATM use (including business accounts) (Non-ACU network machine withdrawals, transfers and inquiries)

$1.00 per event

ATM surcharge (non-members& using ACU-owned ATMs) *Applies only to members of other credit unions that are not part of the CO-OP ATM network and to anyone using a bank-issued card

$2.50 per event

Credit card late payment (share secured only) Minimum payment > $25.00 Minimum payment < $25.00

5% or $25.00 (whichever is less) not less than $10.00 $5.00

Credit card late payment

$25.00

Visa gift card issue

$2.00 per card

Safe Deposit Box Fees (annually)

3x5 box rental

$15.00

5x5 box rental

$25.00

3x10 box rental

$30.00

5x10 box rental

$45.00

7x10 box rental

$60.00

10x10 box rental

$75.00

Key deposit

$10.00

Miscellaneous Fees

Domestic wire transfer (Outgoing – Federal Reserve)

$25.00 each

International wire transfer (Outgoing) International wire transfer (Outgoing to U.S. Military Bases)

$100.00 each $65.00 each

Visa TravelMoney card

$6.95 each

Notary service (non-members)

$2.00 each

Deposit items returned unpaid

$15.00 each

Inactive account (no activity for 9 months or more and no other accounts at Arsenal Credit Union)

$10.00 per year

Research/document retrieval

$20.00 per hour

Paper statement (applies to members 18 years to 64 years of age)

$2.00

Non-member ON US check cashing

$5.00 per check

Loan Fees

Loan late payment (after 15 days)

5% of payment or $25.00 (whichever is less) if payment due is more than $25.00; otherwise, $5.00 if payment is less than $25.00

ACH telephone payment origination

$5.00

Electronic loan payment through other financial institution (outside of online or mobile banking)

$3.00