Unitus Check Protect is $30
By Karla CastroUpdated October 29, 2026
Unitus Community Credit Union prints a consumer fee schedule effective 31 July 2026. Check Protect is $30 a transaction, with a limit of 3 fees a day on a membership. A returned NSF item is $30, with the same limit of 3 fees a day. Tru Checking prints no NSF fees and is not eligible for Check Protect. The wider table is US overdraft fees by bank.
Monthly fee by account
Opened 29 October 2026. Amounts below are US dollars. The consumer fee schedule prints no monthly service fee and no balance requirement for Unitus Checking, Optima Interest Checking, Personal Interest Checking, and Tru Checking. A Personal Money Market account is $5 a month if the average balance falls below $2,500. An HSA maintenance fee is $2.50 a month.
Membership is a $10 fee. An initial deposit of at least $5 opens the Prime Share account, and $5 stays in that account. An inactive account is $5 a month after 19 months. That inactive fee does not apply to Tru Checking. The reading guide is US bank fee guides. The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Account | Monthly charge | Where that figure is printed |
|---|---|---|
| Unitus Checking | No monthly service fee | Fee schedule |
| Optima Interest Checking | No monthly service fee | Fee schedule. For members age 50 or better |
| Personal Interest Checking | No monthly service fee | Fee schedule |
| Tru Checking | No monthly service fee | Fee schedule. No NSF fees |
| Personal Money Market | $5 | If the average balance falls below $2,500 |
Overdraft, ATM, and other fees
Check Protect is $30 a transaction, with a limit of 3 fees a day on a membership account. It is a discretionary service for checks, debit card purchases, and bill pay that would otherwise overdraw the account. NSF is $30 for a returned transaction, with a limit of 3 fees a day on a membership account. A transfer from savings or a money market account to cover an overdraft has no transfer fee. A transfer from a loan or a credit card is $5. A stop payment is $30 an item. Tru Checking has no NSF fees and is not eligible for Check Protect.
Unitus and CO-OP ATMs are free. Any ATM that is not a Unitus ATM and not a CO-OP ATM is $2.50 for a withdrawal, transfer, or inquiry. An incoming wire has no charge. An outgoing domestic wire is $20. An outgoing international wire is $45. A cashier's check is $4 for a member, and free for Heritage and Tru Checking members. The monthly list is US monthly checking fees by bank. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Questions
- How much is Unitus Check Protect?
- The 31 July 2026 schedule prints $30 a transaction, with a limit of 3 fees a day on a membership. A returned NSF item is also $30, with the same daily limit.
- Does Unitus Checking have a monthly fee?
- The schedule prints no monthly service fee and no balance requirement for Unitus Checking. A Personal Money Market account is $5 a month if the average balance falls below $2,500.
- How much is a Unitus ATM withdrawal?
- Unitus and CO-OP ATMs are free. An ATM that is not Unitus and not CO-OP is $2.50 for a withdrawal, transfer, or inquiry.