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Fees

  • Account 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 Free, unlimited regal-style checks
    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
    Events for Tracker Kids Club members Free

    Money Market Account Services

    Below minimum balance fee (per month) None

    Checking Fees

    Overdraft transfer (from savings account) $5.00
    Nonsufficient funds (includes checks, preauthorized and ACH withdrawals and AccessPoint Internet Bill Pay) $28.00/each
    Uncollected funds (includes checks, preauthorized and ACH withdrawals and AccessPoint Internet Bill Pay) $28.00/each
    Courtesy Pay $28.00/each
    Collection item (incoming and outgoing) $25.00
    Stop Payment – Check, AccessPoint Internet Bill Pay and ACH $28.00
    Stop Payment – Series (two or more checks) $50.00
    Value Checking monthly service fee $4.00/month or none with average daily balance of $500
    Advantage Plus Checking monthly service fee $4.00/month
    Business Checking I transaction fee >200 $0.25 per item
    Business Checking II monthly service fee $20.00/month or none with average daily balance of $5,000+
    Business Checking II transaction fee >500 $0.50 per item
    Business Checking III transaction fee $0.10 per item
    Temporary checks (set of 12) $2.00
    Check printing Varies by style and quantity
    Account-balancing assistance $20.00/hour
    Account closed by ACU $25.00
  • Debit Card Services

    Instant-issue Visa debit card with EMV chip Free
    PINless debit card transactions Free
    Rewards points for signature-based transactions redeemable at CURewards.com 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

    Plastic Card Fees

    Transaction using ATM card or debit card from Arsenal at an ATM not owned by Arsenal and not in the CO-OP Network (withdrawals, transfers and inquiries) $1.00/each
    Transaction at an ACU-owned ATM by member not using an ATM card or debit card from Arsenal or another credit union in the CO-OP Network $2.50/each
    PIN-based debit card transaction $0.25/each
    Card replacement $7.00/card
    Inactive (debit only) $5.00/year
    Sales draft copy $8.00/each
    T and E documentation $25.00/required
    Abuse/revoke $15.00
    Statement copy $2.00/month
    Visa TravelMoney Card issue $6.95
    Visa TravelMoney Card reload $2.00/occurrence
    Visa Gift Card issue (for Arsenal members only) $3.00
  • 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-$700
    Application and origination fees on loans None
  • Shared Branches

    Make deposits and withdrawals Free
    Make loan payments Free
    Transfer funds between accounts Free
    Purchase money orders, traveler’s checks and official 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 5,000 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
    Coin-counting machines (Jefferson County and Mid St. Louis County 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 calculators on website Free
    Financial seminars at our branches Free
    Financial presentations in schools Free
    Financial curriculum materials for teachers Free
    Direct deposit Free
    Self-service coin machine (Jefferson County and Mid St. Louis County branches) Free
    Incoming money transfers Free
    Meet with a credit counselor from Clearpoint Free
    Teller transactions (walk-in and drive-up service at Arsenal branches) Free
    PIN change Free
    Meet with a representative from Arsenal Financial Advisors Retirement & Investment Services Free
    Get a quote on auto/home/life insurance through TruStage Free

    Senior Services

    Members 65 and older receive:
    Issue fee on money orders None
    Issue fee on cashier’s checks None
    Account transfers conducted over the phone Free
    Basic checks (printing) Free

    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
    Money Management – online financial management tool Free
    Purchase Rewards Free
    Online travel notifications Free
    Mobile Payments (Apple Pay, Google Pay, Samsung Pay) Free (data charges may apply)
    Mobile check deposit for members Free
    Mobile check deposit for small business members Free (up to 50 each month)
    Alerts for debit cards Free
    Alerts and controls for credit cards Free
    eStatements Free
    Paper statements for members age 17 and under and age 55+ Free

    Digital Fees

    Person-to-person (Popmoney) transfer $3.00
    Person-to-person (Popmoney) transfer expedited – next day $10.00
    Popmoney gift card $1.50/each
    Popmoney send money request $1.00
    Mobile check deposit (for small business members) >50 $0.50/item
    External funds transfer – online banking – standard
    $1.00 - $2,000 $3.00
    $2,001 - $5,000 $6.00
    $5,001 - $10,000 $10.00
    • $10,000 - $15,000 $15.00
    External funds transfer expedited – next day $10.00

    Outgoing Domestic Wire Transfer Fees

    Federal Reserve $25.00/each
    Western Union $17.00/each

    Outgoing International Wire Transfer Fees

    Federal Reserve $100.00/each
    Western Union (fee depends on dollar amount to be transferred)
    $1.00 - $500 $25.00/each
    $501 - $1,000 $30.00/each
    $1,001 – 2,000dg $35.00/each
    $2,001 - $5,000 $40.00/each
    $5,001 - $10,000 $50.00/each

    Money Order and Cashier Check Fees

    Money Orders $1.50/each
    Cashier’s Checks $2.00/each

    Safe Deposit Box Fees

    Boxes only at Jefferson County, Mid St. Louis County and North St. Louis County branches
    3 x 5 box rental (n/a @ North St. Louis County branch) $15.00/year
    5 x 5 box rental (n/a @ Jefferson County and North St. Louis County branches) $25.00/year
    3 x 10 box rental $30.00/year
    5 x 10 box rental $45.00/year
    7 x 10 box rental (n/a @ Mid and North St. Louis County branches) $60.00/year
    10 x 10 box rental $75.00/year
    Key deposit $10.00

    Miscellaneous Fees

    Account transfer by phone (not through 24-hour Account Access or Online Banking) $2.00/each
    Notary service – non-members $2.00/each
    Copy of check or statement $2.00/each
    Paper statement (does not apply to members age <17 and >65) $2.00/each
    Account activity printout $3.50
    Early withdrawal on Christmas or Vacation Club account $25.00/each
    Excessive withdrawal from savings account (over-the-counter, in excess of three per month) $5.00/each
    Account closed by credit union $25.00
    Account closed within one year of opening $25.00
    Inactive account (no activity for nine months or more) $10.00/year
    Safekeeping for undeliverable statements $3.00
    Deposit items returned unpaid $15.00/each
    Locator $5.00/year
    ACH telephone payment origination fee $10.00/each
    Garnishment and levies $50.00
    Redemption of coupon bonds $15.00
    IRA rollover/transfer (to another financial institution) $25.00
    Research/document retrieval $20.00/hour
    Locked business deposit bag (for small business members) $15.00/each
    Key deposit for locked business deposit bag $10.00