Railswest Logo
Online Account Access

Fee Schedule

Effective Date January 1, 2017


Cash Advance $3.00

Late Fee $25.00

Over Limit Fee $25.00

Returned Check $25.00

Replace Card- Lost or Stolen $5.50

Over Night Replacement One Card   - $35.00
Two Cards - $45.00

Replace Damaged Card $5.50

Late Fee $25.00

Real Estate Late Fee $30.00

Share Draft/Checking
Returned Draft- NSF $26.00

ACH Returned- NSF $26.00

Stop Payment $26.00

Draft Reconciliation $12.00 per hour

Photo Copies of Drafts $2.00 each

Collection Items (INCOM) $5.00

Courtesy Pay $26.00

Replace Lost ATM/Debit Card $5.50

Replace Closed ATM/Debit Card $5.50

Replace Damaged ATM/Debit Card $5.50

Overnight Replacement $54.50*

Both Card & PIN Replace $104.00*

ATM/Debit Card Overdraft $26.00

Foreign Transaction on ATM $2.00

Other Fees
Money Orders/Cashiers Checks/Corporate Drafts $1.00 each

Wires Domestic only - $20.00
Incoming Wire fee $10.00

Account Research $12.00 per hour

Stop Payment - Money Orders $26.00

Stop Payment - Cashiers Checks $26.00

Microfiche Copy $2.00 each

Non-member Check Cashing $8.00

Returned Deposit Checks $10.00

Print-out Of Statement $2.00

Early Closure Fee- Account Closed Within 30 Days $20.00

Reinstatement Fee n/a

Reinstatement Fee AfterEarly Closure n/a

Reinstatement Fee After 2 Closures n/a

Statement Handling (hold) n/a

Return Mail Fee $6.00 per month

Safety Deposit Fees 3X5 - $15.00
3X10 - $25.00
5X10 - $30.00
10X10 - $45.00

Enforce Reg E - After 6 Withdrawals $26.00

Excessive Withdrawals - After 6 From Share Account $26.00

Coin Services Free for members only

Foreign Check Processing n/a

GAP Ask credit union for details

Pre-Load Debit Card $6.00 intial fee - $2.00 reload fee

*You may be assessed the actual cost the credit union is charged.

Our Company Links:
Quick Links
Other Links

Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (208) 232-5746