By law requirements – If the balance in your share account falls below the par value of one share, and you do not increase the balance to at least the par value of one share within 30 days of the reduction, you may be terminated from membership at the end of the dividend period in which the 30 days elapses.

Transaction limitation – We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of dividends – Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

National Credit Union Share Insurance Fund – Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

Replace Lost Debit Card $5.00
Change PIN for Debit Card $5.00
Check Printing Fee fee depends on style of check ordered
Check Cashing Fee $3.00 (1% of the check amount)
Coin Counting 5% of coin amount
Issuance of a Teller Check Payable to a Third Party $3.00
Deposited Checks (and other items) Returned Unpaid $10.00
Legal Process Fee (subject to state law) $20.00
Overdraft – Each Debit or Check Paid $22.00
Nonsufficient Funds Item – Each $22.00
Account Activity Printout $1.00 per page
Account Research $20.00 per hour, minimum one-half hour
Account Balancing Assistance $20.00 per hour, minimum one-half hour
Stop Payment – All Items (including teller checks) $22.00
Wire Transfer
Incoming $5.00
Outgoing (inside U.S.) $20.00
We do not do wires outside the U.S.
Pay by Phone $10.00
Pay by Phone NSF Fee $5.00
Photocopy $2.50 per page
Collection Item (incoming or outgoing drafts) $3.00
Copy of Check (in excess of three per monthly statement cycle) $2.50
Non-clearing Checks Not Approved by Credit Union $5.00 per check
Manual Check Processing Fee (non-approved, check provider wrong account number) $5.00
Return Statement Fee (bad address) $5.00
Verification of Deposit (fee to member) $5.00
Safe Deposit Box Drill/Replace Lock Fee (depends on locksmith rate) $175.00
Safe Deposit Box Lost Key Fee $25.00
Administrative Fee $50.00
Garnishment $50.00
Excess Withdrawal Fee (7th and subsequent each month) $10.00


With 4 locations and over 40 ATMs in Amarillo, and over 50,000 ATMs nationwide, you can be sure that you have Access whenever you need it.

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Access Community Credit Union is committed to serving all persons within our field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 1-800-687-2990 so that we may promptly assist you and remedy any accessibility concerns.

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