Change in Terms

At Credit Union of Colorado, we believe in keeping things clear and straightforward—because let’s be honest, who actually enjoys legal jargon? We’re always upfront about any fee or term changes, so there are no surprises. While a few fees are being adjusted, most remain well below what’s typical elsewhere, all while continuing to provide our members with the exceptional services and benefits they know and trust.

Term and Fee Updates

**(Effective November 1, 2025)**
	Previous Fees	New Fees	Competitor Average*
Cashier's Check Fee	$3 per check	$5 per check	$6
Credit Union Check Fee	$2 per check if more than three (3) per month	$2 per check if more than one (1) per month	N/A
Temporary Check Fee	$1 per four (4)	$2 per four (4)	$2.50 per four (4)
Debit Card Payment Fee	no fee	$3.95	$10 or N/A^
Stop Payment Fee	$20	$25	$30
Wire Transfer Fee Outbound to U.S. financial institution	$10	$20	$24

*Source CETO Associates
^Based on competitive survey

EFT Agreement Changes

**(Effective November 18, 2025)**
	Previous Limit	New Limit
Remote Deposit Capture (RDC)	$8,000/day (up to $1,000 available immediately)	$10,000/day (up to $2,000 available immediately)
Account to Account Transfers (A2A)	$5,000/day and $20,000/month	$7,500/day and $25,000/month
IVA/IVR Internal Transfers (within Credit Union of Colorado)	$10,000/day	$10,000/day (Between accounts that you are on) $1,500/day (To account(s) you are not on)
Digital Banking Internal Transfers (within Credit Union of Colorado)	$10,000/day	$25,000/day (Between accounts that you are on) $10,000/day (To account(s) you are not on)

Credit Union of Colorado, at its sole discretion, may dynamically adjust transaction and transfer limits. Accounts 0-6 months old may be subject to lower limits.

Courtesy Pay Changes

Courtesy Pay is a service that authorizes Credit Union of Colorado to pay overdrafts on ATM, everyday debit card, check, and ACH transactions for a $25 fee per transaction. The Courtesy Pay limit will be changing to a flat limit of $1,500 for eligible members, limited to one Everyday Checking Account per account number.

Business Accounts will soon be automatically enrolled in Courtesy Pay, with the option to opt out. Eligible members will receive a Courtesy Pay limit of $1,500.

Membership & Account Agreement Changes

New Mediation section added:

If we are unable to resolve a dispute arising out of or relating to any, this Agreement, any other agreements relating hereto, any transaction or any other matters between us, including a claim based on or arising from an alleged tort, through good faith negotiation, then such dispute shall be referred to mediation before a neutral party, pursuant to applicable Colorado law, rules, and regulations. The parties shall share equally the expenses of such mediation.

If you have questions, please ask the chat bot or reach out to a Member Advocate.