Fees
At West Michigan Credit Union, A Division of WMCU, we believe in keeping fees to a minimum. This list is provided to you for your information.
Revised in April 2025. Fees Subject to Change.
Fees Accurate As of October 29, 2025
Star Icon = Redeemable Member Rewards Points
Checking Accounts
| Star Icon | SERVICE | FEE |
|---|---|---|
| Select Checking with Interest | $5.00/month | |
| Business Interest Checking | $5.00/month | |
| Simply Better Checking | $4.00/month | |
| Card Replacement (Credit, Debit, and Travel Card) | $5.00 |
Success Money Market Accounts
| Star Icon | SERVICE | FEE |
|---|---|---|
| Below Minimum Balance Fee Minimum Balance: $50,000 |
$10.00/month |
Miscellaneous
| Star Icon | SERVICE | FEE |
|---|---|---|
| Account Research | $20.00/hour | |
| ACH Origination Return Fee | $30.00 ea | |
| Check Negotiation Waived when deposited via RDC, a savings account balance over $100, a loan or debit card is present |
$3.00 | |
| Check Negotiation Non-Member | $5.00 | |
| Check Copy | $5.00 | |
| Coin Processing Fee Amount given to local charity |
6%/transaction | |
| Credit Union Corporate Check 1 free per month |
$5.00 ea | |
| CU*Advance / No Bounce Overdraft Fee Max 3 per day per occurrence, per suffix |
$25.00 | |
| Dormant Account Fee If no activity for 12 months. Waived for members age 18 and under |
$10.00/month | |
| ECM Payment (one time payment) | $5.95 ea | |
| Escheat Fee (per occurrence) | $100.00 ea | |
| Garnishment/Levy | $50.00 ea | |
| Gift Card by Visa | $3.00 ea | |
| Christmas Club Early Withdrawal (per occurrence) | $5.00 | |
| IRA Transfer to Another Institution Fee taken from savings account |
$30.00 | |
| IRA Early Withdrawal (before 59.5 years old) | $20.00 | |
| Mailed Paper Statement Waived for members age 18 and under, retirees*, and Simply Better Checking Benefit must be direct deposited to the Credit Union to qualify for the waived fee |
$5.00/month | |
| Money Order (each) 4 free per month |
$2.00 ea | |
| Non-Co-Op ATM Transactions Includes withdrawals and transfers** |
$1.95 ea | |
| Non-Sufficient Funds Fee (per presentment) | $30.00 ea | |
| On-Demand Posting (early ACH) | $5.00 | |
| Rush Delivery Fee | $35.00 | |
| Returned Mail | $5.00 | |
| Membership Savings Account (early closure) If closed within 180 days |
$15.00 | |
| Statement Copy / History Printout Fee | $5.00 ea | |
| Stop Payment Fee | $30.00 ea | |
| Travel Money Card by Visa | $5.00 ea | |
| Travel Money Card Reload | $3.00 ea | |
| Wire Transfer-Domestic Outgoing | $20.00 ea | |
| Wire Transfer-International Outgoing | $40.00 ea | |
| Wire Transfer-International Incoming | $12.00 ea |
ATM / Debit Card Fees
| Star Icon | SERVICE | FEE |
|---|---|---|
| Instant Issue Card | $10.00 ea | |
| Replacement Card Fee | $5.00 ea | |
| Mastercard / Visa Foreign Country Transaction Fees Currency Conversion Issuer Cross-Border Assessment |
0.20%/transaction |
Safety Deposit Boxes (all sizes not available at all locations)
| Star Icon | SERVICE | FEE |
|---|---|---|
| Box Size: 3 x 5 | $45.00 | |
| Box Size: 3 x 10 | $65.00 | |
| Box Size: 6 x 5 | $65.00 | |
| Box Size: 5 x 10 | $90.00 | |
| Box Size: 10 x 10 | $110.00 |
Star Icon Can be waived or refunded with Member Rewards points.
*Retired members are members who receive a retirement annuity, pension, Social Security, or similar retirement payment from private government
sources, or live in or belong to a retirement organization.
**Fees may be charged by owners of Non-Co-op Network ATMs; however, 30,000 surcharge-free Co-op Network ATMs are available with no fees charged by the ATM owner.
Fees are subject to change. Ask any Credit union employee for details.
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