Account Fees

Effective Date: 1/21/20241

Membership2

$5

Checking Account

Monthly Maintenance Fee
$1

Per Item Fee (Checks, Teller Cashed Items, and Another Chance Items)

For 1st 50 items per statement period

For items in excess of 50 per statement period

$0

$0.20

Non-Sufficient Funds (NSF) Fee

NSF Fee Free Day3

NSF Fee Free Day3 Exhausted

$0

$35

Overdraft Transfer Service4 Fee
$0

Zard Checking Account

Monthly Maintenance Fee
$1
Overdraft Transfer Service4 Fee
$0

CashPoints® Global Account

Monthly Maintenance Fee
$1 (if there is a balance in the account on the statement date)

Share (Savings) Account, FAT CAT® Share, Zard Share, Money Market Share Accounts

Monthly Maintenance Fee: Share5
$1
Monthly Maintenance Fee: FAT CAT Share
$0
Monthly Maintenance Fee: Zard Share5
$1
Monthly Maintenance Fee: Money Market Share6
$2

IRA and SEP Accounts

Monthly Maintenance Fee7
$1

Card & ATM Fees


ATM Fees (For Using GKCU-Issued Debit Cards)

ATM Fee for Using CashPoints® ATM
$0
ATM Fee for Using Visa® /PLUS® ATM8 (Completed Transaction)
$1
ATM Fee for Using Visa/PLUS ATM9 (Attempted and Denied Transaction)
$0.35

Debit Card Fees (Visa and CashPoints Debit Cards)

Card Issue / Reissue Fee10
$3
Card Replacement Fee
$8
Card Rush Delivery Fee
$15
Card PIN Rush Delivery Fee
$15
International Transaction Fee11
1%

Credit Card Fees12

Annual Fee
$0
Balance Transfer Fee
$0
Cash Advance Fee13
$0
ATM Transaction Fee14
$1
International Transaction Fee11
1%
Late Payment Fee
Up to $10
Card Replacement Fee
$0
Over the Limit Fee
$0
Card Reissue Fee
$0
Card Rush Delivery Fee
$15

Fees For Miscellaneous Services


(Services Provided to Members Only)

Fee for Copies of Items or Images (e.g., checks, statements, etc.)
$1 each
Cashier’s Check Purchase Fee15
$1
Incoming Wire Fee
$0
Outgoing Domestic Wire Fee
$10
Outgoing International Wire Fee
$25
Notary Service Fee
$0
Verification of Deposit (VOD) Fee
$10
VOD Request (records older than three months) Fee
$20
Coin Redemption Fee
$0

1 Fees subject to change daily at the discretion of the Board of Directors.
2 Each member (personal and non-profit entity) must pay a one-time $5 membership fee. Membership fee is charged when member’s first Share account is opened (FAT CAT and Zard Share accounts are exempt from this fee). Members opening a first Share account jointly must each pay a one-time $5 membership fee. This $5 fee amount is paid to the Credit Union and is not deposited to the account.
3 NSF Fee Free Day is the first day of a calendar year in which NSF Fees would otherwise be incurred.
4 See our Account Rules and Regulations and our Overdraft Transfer Service Terms and Conditions for more information.
5 No fee if the account has a minimum balance of $5 on the statement date.
6 No fee if the account maintains a minimum balance of $250.
7 No fee if the account has a minimum balance of $25 on the statement date.
8 When you use a non-CashPoints ATM, the owner/operator of the ATM or any network used may also charge you fees.
9 When you use a non-CashPoints ATM, the ATM owner/operator may charge a fee for a balance inquiry even if you do not complete a transaction.
10 FAT CAT and Zard cards are exempt from this fee.
11 Visa applies a fee to any international transaction. The fee is 1% of the U.S. dollar amount of the international transaction. An international transaction includes (a) any transaction made in a foreign country, and (b) any transaction made or processed outside of the United States. For more information regarding international debit card transactions, see the Supplemental Terms and Conditions for GKCU Visa Debit, CashPoints, and CashPoints Global Cards, which is a supplement to the Account Rules and Regulations. For more information regarding international credit card transactions, see our Credit Cardholder Agreement, which you can access on our Account Disclosures page.
12 Annual Percentage Rate (APR) for purchases, balance transfers, and cash advances as of 1/21/2024 is 12.75%. The rate is variable and subject to change. Interest begins to accrue on purchases and balance transfers after the expiration of the grace period if the entire balance is not paid in full. Interest begins to accrue on cash advances at the time of transfer. See our Credit Cardholder Agreement, which you can access on our Account Disclosures page.
13 Interest begins to accrue on advanced amount immediately.
14 For each financial transaction at a CashPoints, Visa or PLUS ATM.
15 Fee waived for any check in the amount of $500 or more.