Fee Schedule
Red Rocks Credit Union provides lots of services for free! We believe in keeping fees to a minimum because we truly value our members. Please contact us if you have questions or concerns about our fee schedule.
Savings Accounts
| Four (4) or more withdrawals per month | $5 | Per withdrawal |
| Insufficient Funds Fee | $32 | Per item; Fee will be imposed for each submission of the same item if that same item is resubmitted and returned again. |
| Inactive Membership | $5 | Per month (after 12 months) |
| Early Closed Account Fee | $25 | Charged if membership is closed within 180 days of account opening” |
Checking Accounts
| Stop Payment | $30 | Per Request |
| Returned Deposit Item | $20 | Per item (to/from same member $35 per item – applies to checking or savings account) |
| Insufficient Funds Fee | $32 | Per item; Fee will be imposed for each submission of the same item if that same item is resubmitted and returned again. |
| Overdraft Privilege Fee | $30 | Per item |
| Overdraft Transfer (savings to checking) |
$5 | Per transfer |
| Check copy (front & back) |
$5 | Per copy |
| Box of Checks | Please inquire for details | |
| Temporary Checks | $2 | Sheet of (4) |
| Inactive Bill Pay | $5 | Per month (after 30 days of no activity) |
| Foreign Item Fee | $75 | Up to $75 maximum |
Debit Cards
| Visa International Transaction Fee | 1% | Of the total transaction |
| Out-of-Network ATM Usage Fee | $2.50 | Per transaction |
Loans
| Late Payment | Up to $25 | |
| Subordination | $150 | Per item |
| Courtesy Clear Activity Fee | $5.95 | Per month (charged if funds are accessed) |
| Collection Fee | $25 | Per item |
| Returned Payment | $25 | Per item |
| Staff Assisted Loan Payment | $10 | Per item |
Share Certificates
| Share Certificate Early Withdrawal Penalty – 12 month or less | 90 days | Dividends |
| Share Certificate Early Withdrawal Penalty – more than 12 months | 180 days | Dividends |
Complimentary (Free) Account Features
| Debit Card | $0 | No fee Visa Debit cards – and we even offer instant issue. |
| Checking Account | No Monthly fee | You’ll never pay a monthly checking fee! |
| Online Banking | $0 | Always free of charge. |
| Mobile App | $0 | Access your account anywhere, anytime. You can check account balances, make transfers, deposit checks, pay bills, find ATMs and more. |
| Teller Assistance | $0 | We’re here to serve you, not charge you fees for most transactions. |
| 24/7 Phone Center | $0 | Life isn’t 9 to 5. Contact us anytime with account questions. |
| Card Replacement | $0 | Visa Debit and ATM cards. |
| Coin Counting | $0 | For members. |
| Notary | $0 | For members. |
| eDeposit | $0 | Deposit checks from your mobile app for free. |
| Active bill pay | $0 | Pay bills using our online banking and mobile app. |
| Member to Member Transfer | $0 | Pay friends and family using their RRCU account information. Just use online banking or our mobile banking app. |
| CO-OP ATM Network | $0 | Access over 30,000 free CO-OP network ATMs nationwide. |
Safe Deposit Box
| Safe Deposit Box Activation | $50 | Per box |
| Safe Deposit Box Drilling | $150 | |
| Safe Deposit Box Replacement Key | $75 | Per key |
Convenience Fees
| Paper Statement – Mail | $5 | Per statement |
| Statement Returned, Bad Address | $6 | Per item |
| Statement Copy | $5 | Per copy (also $5 per copy of interim account history) |
| Credit Union Issued Checks | $5 | Per check |
| Account Research Fee | $30 | Per hour (1 hour minimum, applies to any account type) |
| Levy/Garnishment Fee | $40 | |
| Outgoing Wire Transfer (domestic) | $25 | Per wire |
| Outgoing Wire Transfer (international) | $50 | Per wire |
| Incoming Wire Fee | $5 | Per wire |
| Non-member Check Cashing Fee | $5 | Per item |
| Rush Order on Plastic Cards | $50 | Per item |
| Check Image Rush Request | $10 | Per item if needing within 24 hours |