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You may withdraw dividends accrued on your account each month, without incurring a penalty.UNFCU may revise the number of ATM withdrawals that can be made without fees at any time. The operators of these ATMs may impose their own additional fees. This applies to members using their UNFCU debit card. Pay no fees for your first 8 withdrawals per month at non-UNFCU ATMs outside the Co-op and Allpoint networks.Fees may apply when using an ATM outside the United States.Wire and mobile money transfers using Digital Banking.Account to account transfers using Digital Banking.Online bill payments, except when making a UNFCU loan payment.Additional transfers from your savings account will be processed, but may be subject to the excessive transaction fee. The transfers subject to the excessive transaction fee are: You can make six free transfers from your savings account each month.To keep your account active, sign in to Digital Banking, conduct a transaction, or complete this form (PDF). Fees are applied when an account has been inactive for two years.Applicable for Digital Banking users who have opted to receive paper statements.
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If there are insufficient funds in your account to cover the amount of a check you have written or payment you have scheduled, you will be charged an insufficient funds (NSF) fee.View the Member Loyalty Rewards program for more information. UNFCU may change the rewards offered through its Member Loyalty Rewards program at any time. If you are in a country subject to US sanctions, view all account restrictions that may apply. If you do not have a checking account, monthly rewards will be credited to your savings account. Your rewards for that month will be credited to your checking account at the start of the following month. UNFCU will determine your loyalty level at the end of each calendar month. To qualify for a loyalty level, your accounts must be in good standing and meet all criteria for that level. Likewise, the Loyalty Rebate is not a credit and applies only to eligible fees incurred in a qualifying month. Fees exceeding the Member Loyalty Rebate you qualify for in a calendar month cannot be rebated in future months.Rates, fees, and charges are subject to change without prior notice. Fees and service charges are in US dollars.