Fees

Membership
If you live or work in the state of Washington, you are eligible to become a member of Industrial Credit Union.

*ATM & everyday debit card transactions (if consented to Extended Courtesy Pay) and recurring debit card transactions,

**ACH transactions, checks, in-branch transactions, online Billpayer items, and Online Banking transfers.

***An NSF service charge is assessed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate charge.
Checking Account Fees
Checking 360 $10.00 per month
Epic Checking $5.00 per month
Essential Checking $2.00 per month (fee waived with eStatement)
Courtesy Pay Overdraft, Debit Card Transactions* $15.00 per item
Courtesy Pay Overdraft, Other Transactions** $25.00 per item
Non-Sufficient Funds Returned Check Fee*** $25.00
Overdraft Transfer $1.00 per overdraft
Stop Payment $15.00 per stop order
Debit Card Instant Issue Fee $5.00
Canceled Check Copy $1.00 per check copy (2 free per month)

*This fee applies to any debit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States.

*Industrial does not charge a fee for incoming wires. For International wires in foreign currency, Industrial exchanges the funds on behalf of the member prior to sending the wire. For International wires in U.S. dollars, the organization that receives the wire exchanges the funds.
Other Service Fees
Account Reconciliation $15.00 per hour
Account Research $15.00 per hour
Account Research Trip Fee $25.00
ACH Returned Item Fee $10.00 per item
ATM Card Fee $5.00
Bad Address Fee $5.00 per month
Cashiers Check $1.00 per item
Convenience Checks $1.50 per page (4 checks per page)
Debit Card Instant Issue Fee $5.00
Debit Card Reactivation Fee $15.00
Dormant/Inactive Account Fee $5.00 per month (waived for accounts with balances of at least $100 and childrens’ accounts)
Foreign Draft $2.00 per item
HSA Account Opening Fee $25.00
International Transaction Fee* 1% of transaction amount
IRA Enrollment Fee $10.00
Loan Payment by Debit Card, Self-Service $6.00 per payment
Loan Payment by Debit Card, Via Live Agent $10.00 per payment
Online Bill Payer $5.95 per month (free w/ eStatement enrollment)
Returned Check – Self $25 per item
Returned Statement Fee $5.00 per month
Statement Copy Fee $5.00 per copy
Wire, Domestic $10.00 per transfer
Wire, International in Foreign Currency* $20.00 per transfer
Wire, International in U.S. Dollars $40.00 per transfer