Duke Credit Union has made every effort to implement a fee structure that does not fee members that adopt a more efficient way of using their accounts. See below for ways to avoid fees.
| TYPE OF ACCOUNT | FEES | WAYS TO AVOID THIS FEE! |
|---|---|---|
| CHECKING ACCOUNT | $5 per month | AVOID IT: Sign-up for Direct Deposit, Or have $2500 in savings/loans and checking is FREE! |
| CHECKING ACCOUNT Statements | $1 per month for paper statements. (for all types of checking accounts) | AVOID IT: Sign-up for electronic i-statements. FREE! |
|
DEBIT/ATM CARD or ATM CARD
TRANSACTIONS
|
ATMS not owned by Duke Credit Union may surcharge (e.g. Bank ATMs). There is no fee to members using Duke Credit Union ATMs. | AVOID IT: Use Duke Credit Union ATMs (FREE) unlimited, Or CashPoints® ATMs (FREE) unlimited, Or Allpoint® ATMs (FREE) unlimited. |
| BILL PAY | $5 per month fee if you have signed up for this service and do not use it for three (3) months. | AVOID IT: Use the service within three (3) months of signing-up! Drop the service if you do not use it! |
|
SHARE SAVINGS ACCOUNT
|
$3 per month fee | AVOID IT: Sign up for direct deposit, Or maintain $100 average monthly minimum balance, Or be under age 25 Or Have a loan with us. |
|
INACTIVE* SHARE SAVINGS ACCOUNTS with a balance less
than $100.
*Inactivity = No deposit or withdrawal made in the last 12 months.
|
Additional $5 per month fee on all inactive accounts with a balance below $100*.
*Only applies to members that have an inactive savings account! No fee if you have additional services with Duke Credit Union.
|
AVOID IT: Keep a minimum balance of $100 in your account, Or make a deposit/withdrawal within 12 months, Or be under age 25, Or add an additional service (checking, credit card, loan, savings product, direct deposit, etc.). |
| TELLER WITHDRAWALS | $3 per withdrawal (first three (3) FREE) | AVOID IT: Do not exceed three (3) withdrawals per month, Or use our ATM, Or be under age 25. |
| CHECK CASHING | $3 per check unless drawn on the Credit Union. Deposits are not counted as transactions. | AVOID IT: Sign up for direct deposit, Or maintain $100 average monthly minimum balance, Or be under age 25 Or have $2500 in compensating loans or savings. |
|
$32 fee per event | AVOID IT: Keep sufficient funds in your account to cover your expenses |
