Fee Schedule

Effective as of 3/01/2019
Checking Accounts
Regular Checking Account
$5.00 per month(1)
Prime Checking Account
$1.00 per month  (paper statement)
Check Orders
 Price Varies
Savings Accounts
Share Savings $3.00 per month (Avoid this fee by signing up for direct deposit Or Maintain $100 average monthly
minimum balance Or Be Under Age 25 Or Have a loan.)
Inactive Share Savings (no deposit or withdrawal made within the last 12 months) with monthly balance below $100
$5.00 per month
Check Cashing (unless drawn on us) $3.00 per check
Value Savings (Share Savings with Direct Deposit) No Monthly Maintenance Fee
Rainy Day Share
*Unauthorized withdrawals on Rainy Day Share accounts are subject to loss of dividends up to 90 days.
$25.00 Withdrawal Fee*
Money Market Accounts No Fee
Holiday Club Account - 

$5.00 Early Withdrawal Fee
General Services
One time membership fee $5.00
Stop payment fee- Call to Credit Union to process $20.00
Stop payment using Audio Express or Internet Account Access $15.00
Insufficient funds Check, ATM, pre-authorized ACH drafts $32.00
Returned cash item
(Non-DUFCU check deposited by member and returned by another financial institution)
Duplicate copy of check $5.00
Copy of current monthly account history $5.00
Statement copy from previous month or quarter $5.00
Transfer funds between accounts - Audio Express, Internet or Mobile Device No Fee
Call to employees to process transfer $5.00
Counter check $1.00
Foreign check deposit $5.00
Account closing within (90) days of opening $25.00
Verification of deposits $10.00
Dormant accounts "finders fee" per year $5.00
Levy or garnishment $25.00 (2)
Undeliverable address $1.00/return
Representative Assisted Activities
Excessive withdrawal fee $3.00(3)
Statement balancing or research $25.00/hour
Cashiers checks $5.00
Stop payment on cashiers checks $20.00
Visa Gift Cards - not reloadable $3.95
Visa Travel Money Cards - reloadable
$2.00 to reload
Wire transfer fee- Outgoing- Within the United States $15.00 
Outside the United States $40.00
Wire transfer fee- Incoming  $20.00
Notary fee  No Fee
ATM & ATM/Debit card fees
No Fee
CashPoints® ATM Network (NC Only) No Fee
Allpoint® ATM Network (Nationwide) No Fee
Bank ATMs  No Fee from Duke Credit Union (Bank fees apply)
Point-of-Sale (POS) transactions
Credit option (signature-based) No Fee
Debit option (PIN-based) No Fee
Replacement Card 
We are unable to instantly issue replacement cards at this time.  Upon request, a replacement card may be ordered and mailed to you.  
Unblock Card (no charge for first instance) $20.00
Online Services- Schedule A
Online Banking No Monthly Maintenance Fee
Bill Pay - with Prime Checking No Monthly Maintenance Fee
Bill Pay - with Regular Checking $5.00/month
Bill Pay - Inactivity Fee (No bills are paid for more than 90 days) $5.00/month
Bill Pay - Check Copies $10/item
Bill Pay - Stop Payment $20/item
Bill Pay -Account Research $20/hour
Bill Pay -Insufficient Funds Fee $32/occurrence
1Fee will be assessed if your monthly average balance falls below $2,500 in loans or deposits or if Direct Deposit with Duke Credit Union is cancelled for any reason.

2Fee collected if we are required to hold or deliver funds in compliance with a levy or garnishment.

3Compensating Loans/Savings balances above $2500 receive unlimited teller withdrawals.  Balances below $2500 receive three (3) free teller withdrawals per month.

2022 Membership