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Small Credit Union Doing Big Things


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Services / Fee Schedule


Account Research:$35.00 Per Hour-Rounded up to nearest hour
ACH Non-Sufficient Funds:$35.00
ACH Stop Payment:$35.00
Address (Returned Mail):$5.00
Archived Check Copy
(Members United):
ATM Card Only Monthly:$1.00
ATM Card Replacement:$5.00 (Original Card Is Free)
ATM PIN Mailer:$2.00 (Original PIN Mailer is Free)
Bad Address (Return Mail):$5.00 Monthly until abandon or good address
Cashier's Check:$5.00
Check Copy:$3.00
Check Account Reconciliation:First Time Free, $35.00 Per Hour rounded up to the nearest hour thereafter
Copying:$1.00 Per Page
Corporate Check Stop Payment Fee - Money Orders - Cashier Checks - Official Checks:$10.00
Courtesy/Overdraft Privilege:$35.00 per item  (Fee applies when overdraft is created by check in-person withdrawal or electronic means)
Debit Card Non-Sufficient (NSF):$35.00 Per Item
EFT Research Request:$5.00
Foreign ATM Transactions and Inquires:Eight Free Transactions /Inquires $1.00 Fee Thereafter
Foreign Collection Item:$30.00
Foreign Item:$7.00
Garnishment Fee:$20.00
Inactivity:$5.00 Per Month (Primary Share-If an account has no other services and no activity for one year, it will be considered Dormant and subject to dormant account fees)
IRA Traditional & Roth IRA
Annual Maintenance:
IRA Withdrawal:$30.00
Late Fee on Loan:Yes (See Loan Document)
Money Order:$2.50
Non-Sufficient Funds (NSF):$35.00 Per Item
Overdraft Transfer From Savings:Each Transfer $5.00
Phone Transfer or Fax Transfer:$5.00
Print Out on Account:$2.00
Return Deposit Item:$10.00
Returned Mail:$2.00
Statement Copy:$3.00
Stop Payment on Share Drafts:$35.00
VISA Check Card
PIN Replacement:
$2.00 (Original PIN Mailer Is Free)
VISA Check Card
$10.00 (Original Card Is Free
VISA Credit Cards:See VISA Credit Card Disclosure
VISA Credit, Debit Card
and ATM Card:
A fee of 1 percent will be imposed on all foreign transactions, including purchases, cash withdrawals, cash advances and credit to your account. A Foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S.
Wire Transfer:Outgoing - $30.00; Incoming - $15.00.


Savings Account:

  • Regular shares
  • Money Savers
  • Term Share Certificates
  • IRAs
    • Traditional
    • Roth
    • Education
    • Insured Money Market Account

Special Savings Account:

  • VIP - 60+
  • KIRBY KANGAROO (Children's savings
    ages 0-13)
  • CuSucceed Teen (Ages 13-20)
  • Vacation
  • Christmas
  • Loan Payment Account

Share Draft Checking:

  • Regular Share Draft
  • Money Works Draft

Other Services:

  • Mobile App
  • Remote Deposit Check Capture
  • Round-Up Program
  • Home Banking
  • Bill Pay Service
  • Debit Card
  • ATM cards
  • Money Orders
  • Night Deposit
  • Cashiers Checks
  • Payroll Deduction
  • Wire Transfer
  • Direct Deposit/ACH
  • Self-Serve Coin Machine


  • Signature Loans
  • Share Certificate Loans
  • Auto - new and used
  • Trucks
  • RV
  • Boat/Trailers/Motorcycles
  • Open-end EZ Loan
  • Tax Loans
  • Christmas Loans
  • Vacation Loans
  • Line-of-credit (Overdraft protection)
  • VISA Classic*
  • VISA Gold Rewards*
    *Please contact Bar-Cons 812-372-8776 or 800-844-8776 for credit card disclosures.
  • First Mortgages and Home Equity
    (Stacey Foster MLO#503795)