Account TypeRegular Share Draft CheckingFree Checking
Monthly Draft Account Fee$4.00 per month(If balance falls below $350.00)None
Non-Sufficient Funds Fee$29.00 each$29.00 each
ACH & Returned Item Fee$29.00 each$29.00 each
Stop Payment Fee$29.00 each$29.00 each
Overdraft Transfer Fee$2.00 each$2.00 each
Share Draft Printing Fee1 box FREE with Direct Deposit to personal account (per year)Depends on the style.

Additional Fees  (applicable to all accounts)

Returned Deposit Item$5.00 each
New Account Fee$5.00
Account Reconciliation Fee$15 per hour
Account Research Fee$15 per hour
Money Orders$0.95 each
Corporate Drafts (less than $2000)$5.00 each
Check Cashing Fee$1.50 each
Draft Copies$2.00 each
Telephone Transfer Fee$1.00 per transfer
Free Share Account$2.00 per transfer
Returned Mail Fee$5.00 per item
Statement History Fee$3.00 per request
Fax Fee$3.00 first page ($1.00 each additional page)
Inactive Account Fee$5 per month (after 1 year and account under $100)
Re-Opening Fee$25 per occurrence if account re-opened within six (6) months of closing date.
Overdraft Privilege Fee$29.00

Electronic Funds Transfer Fees

IFCU ATM Withdrawal/Transfer$0.00
ATM Foreign Machine User Fee*$1.50 per transaction
ATM Card Replacement Fee$8
Preauthorized EFT Fees
Nonsufficient Funds Fee$23
Stop Payment Fee$23
Online Bill Pay Fees
Nonsufficient Funds Fee$23
Stop Payment Fee$23
Members are permitted unlimited transactions with their ATM or Check card on IFCU ATMs,
regardless of their account balance.
*With a combined average balance of $1,000 or more on all your accounts under one (1)
membership number used with your ATM or Check card, a member is permitted five (5)
transactions per month on foreign machines without charge. All other foreign ATM
transactions are $1.50 each.
With a combined average accumulated balance of less than $1,000 on all your accounts
under one (1) membership number with your ATM or Check card, foreign ATM transactions
are $1.50 each. One (1) withdrawal is counted as one (1) transaction.
NOTE: Five (5) balance inquiries equal one transaction

Lock Box fees (Per Year)


Miscellaneous Fees

Wire Transfer Fee (wire in)$0.00
Wire Transfer Fee (wire out)$20.00
Return Deposit Item$5.00 per item
Foreign Fee$40.00
Coin Machine FeeNo Fee for Member / 8% for Non-Member
Bulk Coin$8.00 per box

IRA Accounts

IRA Closing Fee$50.00 if closed within two years. Minimum balance is $500.00 if not on direct deposit.

Credit Union Membership

Member Share$5.00 par value membership qualifications.
Please call (765) 771-8000 for more information regarding our rates & fees.