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.


An update on the Mobile App and Desktop: All members must register as a new user. 

  1. The Android app is not available in the Google Play Store.  We are still waiting for their response and do not have an ETA at this time. We encourage Android users to register for Online Banking via a desktop computer to access your account immediately.
  2. The Desktop version is working as normal. Please access through Chrome, Firefox or Safari.
  3. The Apple App is available. Please make sure you have the most up-to-date version by visiting the Apple Store. If the app says “open” then you have the most recent version. If the app says “update”, please click that option to update your Atomic app.

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.