Greater Iowa Online Login
Schedule of Fees

Products / fees

Service fees
Wire transfer (incoming) fee No charge
Wire transfer (outgoing) fee $10 per transfer
International wire transfer (outgoing) fee $35.00
Travelers check fee No charge
Money order fee No charge
Account closure fee $25 if closed within two months
Account conversion fee $10 per conversion
Account reconciliation fee $20 per hour
Account research fee $20 per hour
Deposited item return fee $25 per item
Foreign draft fee $10 per item
Items sent for collection fee $5 per item
Letters of verification fee $5 per item
Returned mail fee $5 per item
Statement copy fee $2 per copy
Check imaging set-up fee $5 (one time fee)
Safe deposit box fees
3 x 5 $12
3 x 10 $20
5 x 10 $30
10 x 10 $60
Change of lock fee $25
Drilling of box fee $100 - $300. Fee may vary by location.
Savings account fees
Excessive withdrawal fee $1 per withdrawal in excess of 6 withdrawals per month (age 55 and over, fee waived)
High-yield money market account fees
High-yield money market account excessive withdrawal fee $5 per withdrawal or transfer in excess of six per month (age 55 & over, fee waived)
Service charge $10 per month if the minimum balance is not met (age 55 & over, fee waived)
Checking account fees
Classic share draft
excessive withdrawal fee 		Fifty cents per withdrawal for each in excess of 15 withdrawals (checks, preauthorized payments, cash withdrawals, ATM/POS withdrawals and check withdrawals) per month.
Premium share draft
service charge fee 		$5 per month if the minimum balance is not met (age 55 & over, fee waived)
Prestige share draft
service charge fee 		$10.00 per month if the minimum balance is not met (age 55 & over, fee waived)
Electronic account
service charge fee 		$50.00 per item if any paper or imaged check clearing is attempted at any given time.
Overdraft fee $3 per transfer
Debit card overdraft transfer fee $1 per item
Returned item fee $25 per item
Stop payment fee $15 per request
Check printing fee Prices vary depending upon style
Clearing fee $25 per item
Privileged Courtesy Pay fee $25 per item
Check copy $1.50 per copy
Temporary checks $2 per ten checks
Some fees are subject to sales tax as required by law.

Rates are subject to change without notice; printed matter distributed by Greater Iowa Credit Union takes priority over internet rates. Call a member service representative at 1-800-296-9064 for current rates, if applicable.

Wire transfer (incoming) fee
When setting up a wire to come from another institution, it should be wired to:
Iowa League Corporate Central Credit Union
Des Moines, Iowa
ABA 273-082-677.
Credit: Greater Iowa Credit Union
Account Number: 273-972-583
Final Credit: {Member Name}, {Member Account Number}

Wire transfer (outgoing) fee
If you need to wire funds to another account, you will need to come to one of our offices and provide the following information: account number, SSN, address, name of receiving financial institution, receiving financial institution's ABA #, receiving financial institution's address and phone number, and the name, address and account number of the person who is receiving the funds. Also, please contact the financial institution that will receive the funds, as each institution has individual, specific requirements for wire transfers. For international wires we also need the receiving institution's IBAN or Bank ID code (BIC), and the swift code. Please also bring a photo ID with you.

Travelers check fee
Travelers checks may be obtained from the tellers at any of our offices.

Money order fee
Money orders may be obtained from the tellers at any of our offices.

Safe deposit boxes
We have a full compliment of safe deposit boxes available at our Somerset Village, Lincoln Way, West Des Moines, and East Des Moines office. Stop during business hours to open your box today. If the lock needs to be changed or the box needs to be drilled due to a lost key, a fee is imposed.

Account closure/conversion/reconciliation/research fees
The member service representatives at each of our offices work hard to provide superior account services. They are here to help you, our member-owners, reach your financial goals. Do not hesitate to call them for assistance with your accounts.

Deposited item return fee
If an item presented for deposit is returned unpaid, you will be assessed a fee.

Fax fee
To assist you in conducting your personal business, we will provide fax machine access.

Foreign draft fee
We can order checks in foreign denominations. Inquire at any Greater Iowa Credit Union branch for more information.

Letters of verification with research fee
Notarized document verifying basic account information such as opening date, current balance, and two month average balance.

Photo copy fee
To assist our member-owners in conducting their personal business, we will provide copy machine access.

Returned mail fee
It is imperative to successful account management that you receive account information in a timely manner; therefore, you must visit our office and file a change of address form when you move.

Statement copy fee
We are happy to provide you with copies of previous months' statements. You can also access account information, including previous months' statements via our free online banking service: Greater Iowa Online.

Telephone transfer fee

Overdraft fee
If you have automatic overdraft protection on your account, the credit union will automatically transfer funds from your savings to your checking account to prevent a check from being returned.

Privileged courtesy pay
If your checking/electronic account qualifies for the privileged courtesy pay (PCP) overdraft program and in the event of an item presented for payment cannot be honored from your designated share overdraft accounts, then for qualifying member-owner accounts the item may be paid through the PCP program up to your approved, available limit. Eligibility for the Privileged Courtesy Pay program for any member-owner is based on responsible management of his/her accounts at Greater Iowa Credit Union. Responsible management of an account with Greater Iowa includes, but is not limited to: (a) maintaining current and valid account information, including a current address; (b) maintaining an account that is used at least once every six months; and (c) incurring no more than two overdraft for any reason in the first 60 days after the checking account is opened. The member-owner has the option to opt-out of the privileged courtesy pay program at any time.

Returned item fee
If the credit union is presented with a check from a member's account in which there are insufficient funds to cover the amount of the check, the credit union may choose to pay the check on the member's behalf. A $25 fee will be deducted from the member's account.

Clearing fee
We pay your check, even though the account contains insufficient funds.

Microfilm copy of paid draft fee
You can obtain a copy of a cleared check by notifying our office three days in advance.

Transaction list fee
There is no charge for a print-out of the current month's account activity.

Temporary checks
A book of ten checks can be purchased if you run out before your re-ordered checks arrive at your home.