Fee Schedule

Effective July 15, 2013

One Detroit Credit Union offers competitive savings and loan rates as well as a wide variety of services. Miscellaneous fees and charges are necessary to offset increasing operational costs. Maintenance fees can be easily avoided by supporting your Credit Union with your savings and financing needs. Transaction fees can be avoided by using the One Detroit branches either through the mail, www.onedetroitcu.org, in person, or by using Tel-A-Phone Teller.

Our maintenance fees are determined by the overall savings/loan relationship of the member with the Credit Union. Overall savings encompasses funds on deposit in the Share Savings, Share Draft (Checking), Club Magic, Money Market, IRA, and Certificates of Deposit. Note: New members have a three month grace period to build savings up to desired balance.

Maintenance Fees

Fees will be charged if your overall savings are under $500 and total loans are less than $3000. However, Direct Star checking accounts are exempt from a maintenance fee.

  • $4.00 monthly
  • Senior citizens and minors will be exempt from monthly maintenance fees.
  • You must notify the Credit Union if you are in one of these categories so that we may flag your account.

Transaction Fees

Fees will be charged when doing business at an outside source, which includes certain 24 hour teller machines and all Service Center locations.

Fee Schedule
Effective Date: July 15, 2013
Account Histories (per page) $0.25
Account Reopen $25.00
Annual IRA Charge $10.00
ATM/Debit Card Replacement $10.00
Bad Address $3.00
Bill Pay (virtual) $5.95
Check Cashing Fee
(waived when total savings deposits exceed $500.00 or loan balances exceed $3,000.00)
Check Copy $3.00
Check Copy (rush order) $6.00
Counter Check or 2 party Check Withdrawal $3.00
Courtesy Pay Fee $31.00
Dormant Account (monthly fee) $5.00
Draft/Check Certification $3.00
Escheat Fee $50.00
Family Service Center Transaction $1.50
Legal Process Fee
(levies & garnishments)
Lost PIN#
(ATM or debit card)
Maintenance Fee
(waived for Direct Star checking & when total savings are over $500.00 or total loans exceed $3,000.00)
Member Initiated Research (per hour) $25.00
Move Account Fee $40.00
Money Order $1.50
Non-Proprietary ATM Fee
(6 transaction fees waived each month)
NSF Fee $31.00
Returned Check $31.00
Rush MasterCard $30.00
Statement Copies
(per month)
Stop Payment $31.00
Utility Payment at Branch $2.00
VISA Gift Card $4.95
Wire Fees ($500 min.) $20.00