Important Updates regarding the Coronavirus (COVID-19): Learn More Atomic Credit Union lobbies have reopened. We will recognize every Wednesday from 10am to 11am as specially designated lobby service hours for our at-risk population of members. Social distancing practices are in place and appointments are also available. Please contact us at 800.652.2328 for appointment availability. Drive-Thru, ATM and Digital Banking Services remain available.

Fee Schedule

Service Fee

Official Checks/Money Orders


Courtesy Pay Overdraft Fee (ODP Fee)


Non-Sufficient Funds Fee

(May Be Referenced as NSF or Overdrawn)


Deposit Items Returned Unpaid Fee, per item


Account Research and Account Balancing Assistance


Visa Gift Card


Stop Payment  


Outgoing Wire - Domestic


Outgoing Wire - International


Draft/Check Copy


Statement Copy


Interim Statement Copy


Dormant Account 


Excessive Transfer- Per transfer above

3 per month to cover overdrawn accounts.




Returned Mail Fee


Child Support Check


Main Account Closed- Applied if an account

is closed within 6 months of opening.


Levies, Executions and Garnishments


Starter/HSA Checks


Non-Member Coin Machine Fee


Loan repayment book


Account Processing



* Fee applies each time an Item or Transaction is presented whether created by check, ACH (Electronic Items), Debit Card, ATM Withdrawal or other.

** Reduced by $3.00 for a Loan/Credit Card or Average Account Balance of $50.00 or more. Reduced by $1.00 for eStatement enrollment. Waived for Youth Account Members, Members age 62 and over and Health Savings Account holders.