Attention! AHCU COVID-19 Update: AHCU is an Essential Business and Drive Thru Services Are Available at Champlin, Coon Rapids, Circle Pines, Forest Lake & St. Francis. Anoka Will Remain Temporarily Closed Until Further Notice.
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Service Fees

Lower fees.  More money for you.


Service Fees Amount
Effective Date: August 10th, 2018  
 Share Draft (Checking) Account Fees
  EveryDay Advantage Checking FREE
  SPIRIT Checking FREE
  EveryDay Checking $2.95 per month
  EveryDay Business Checking $9.95 per month
  Checking Printing Varies by style
 Overdraft / Non-Sufficient Funds Fee  
  ATM $33.00
  ACH $33.00
  Debit Card $33.00
  Share Draft Checking $33.00
  Courtesy Pay1: $33.00
 Other Account Fees (Applicable to ALL Accounts)
  Account Closure $10.00 if closed within 90 days of opening
  Account Reconciliation $35.00 per hour
  Account Research $35.00 per hour
  Stop Payment $33.00
  Cashier's Check $2.00 per check*
  Check Copy $5.00 per check
  Coin Counting Machine 5% for non-members
  Counter Checks $1.00 per page of four checks
   Debit Card Foreign Transactions Up to 1.5% will be charged on all transactions processed in a foreign country. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. Some exclusions apply.
   Non-Activated Debit Card $1.50 per month
   Debit/Credit Card Replacement $8.95
   Card Rush Order:  Up to $65.00
   Deposited Item Return $4.00 per item
   Foreign Item Varies; collection fees incurred will be charged to member's account
  Gift Card Activation $4.95 per card
  Monthly History / Statement Copy $5.00
  Inactive Account $5.00 per month after six months of inactivity AND less than $250 minimum balance
  Monthly Paper/E-Statement Return: $10.00
  Legal Processing / Garnishment & Levies Up to $100.00
  Money Order  $1.00 per money order*
  Non-Member on us Check Cashing

Non-members cashing AHCU member checks at any AHCU branch will be charged $5.00 per check for each check $1,000.00 or less and $25 per check for each check $1,000.01 and greater.

  Returned Mail $2.00
  Rolled Coin $.05 per roll / $2.50 per box
  Strapped Currency $1.00 per strap
  Telephone Transfer $2.00 per transaction (no fee for loan payment)*
  Wire Transfer (Incoming) $5.00 per wire
  Wire Transfer (Outgoing) $20.00 per wire
  Wire Transfer - International $60.00 per wire
Insured Money Market Account Fees  
  Insured & IRA Money Mkt $15.00 per month if minimum balance is not maintained
  Insured Money Market $25.00 per transaction exceeding account limitations
  Minimum Check/Draft Fee $25.00 per check/draft written for less than $500
Loan Fees  
  Credit Card Cash Advance 2% of advance amount
  Late Payment $25.00
  Duplicate of Lien Release $10.00
  Duplicate of Satisfaction $25.00
  Subordination $175.00
Electronic Fund Transfer Fees
  Automatic Overdraft Protection Transfer $1.00 per savings transfer (no fee from Rapid Advance)*
  Foreign (Non-AHCU) ATM Five free per month. $1.00 per transaction above five, ATM owner may still impose surcharge
Safe Deposit Box Fees Safe deposit box sizes are available at Champlin, Circle Pines, Coon Rapids and St. Francis branches.  Sizes are limited.  Lease is yearly.  Fee deducted automatically from your share account on the last business day of January.
3 x 5 $25.00
5 x 5 $35.00
3 x 10 $45.00
5 x 10 $60.00
5 x 16 $88.00
10 x 10 $110.00
Lost Key $25.00
Lost Two Keys/Box Drilling $250.00
Bill Payment Fees
  Inactivity $5.00 per month w/no use
  Overnight Delivery $25.00
  Overnight Paper Payment $25.00
  Account to Account $5.00
  Same Day Payment $14.95
    Send Money 3-Day $1.95
  Send Money-Next Day $2.95

1 Courtesy Pay: It is not a line of credit and does not constitute an actual or implied agreement between AHCU and any account owner or authorized signer. This courtesy for consumer checking accounts will be limited to a maximum of $500 overdraft (negative) balance for eligible accounts. Transaction types that are eligible for Courtesy Pay include and are limited to: ACH transactions, Draft and On-Us checks at the teller counter. You must bring your account balance to a positive balance within every twenty-five (25) day period, not be in default on any loan or other obligation to AHCU and the account cannot be subject to any legal or administrative order or levy. AHCU is not obligated to pay any items presented for payment if your account does not contain sufficient available funds. Any discretionary payment as part of the Courtesy Pay service does not obligate AHCU to pay any additional non-sufficient fund check or item. Courtesy Pay is a service and not a right or obligation and AHCU in its sole and absolute discretion can cease paying overdrafts at any time without prior notice of the reason or cause.

*Fee waived monthly for EveryDay Advantage Accountholders.


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