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)
Money Market Account Fees
If Minimum Balance Not Met $10.00 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.

Other Service Fees
Account Closure $5.00 (when account closed within 90 days)
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 $5.00 per payment
Online Bill Payer $5.95 per month (free w/ eStatement enrollment)
Returned Item From Your Account $10 per item
Returned Statement Fee $5.00 per month
Statement Copy Fee $5.00 per copy
Wire Transfer Fee – Outgoing Domestic $10.00 per transfer
Wire Transfer Fee – Outgoing International $25.00 per transfer