Below are just a few benefits of being a USE member. For more information on what membership means to us, please see our Become a Member page. To get started with any service below, please contact us.
Make a loan or credit card payment from another financial institution for a $15 fee. To avoid a $15 per use fee, automatic transfers can be set up via Online Banking. To pay by phone, call 405-685-6200 ext. 662, or click below.
- 8 Simple Steps for Balancing Your Checkbook
- Personal Budget Planner - PDF/Excel
- Debt Reduction Strategies
- 7 Steps to Better Money Management
- Effective Strategies for Saving
Monitor your credit score from your smartphone or desktop with Credit Sense.
Debit card management
Have total control of your debit card at your fingertips with the My Mobile Money app. Receive transaction notifications, fraud alerts and even turn your debit card on or off.
|Checking Account Fees|
|Fresh Start Checking||$5.00/Month|
|Other Service Fees|
|Items Sent for Collection||$10.00/Item|
|Wire Transfer (Incoming)||$15.00/Transfer|
|Wire Transfer (Outgoing)||$15.00/Transfer|
|External Transfer (Next Day)||$5.00/Transfer|
|External Transfer (3 Day)||$2.00/Transfer|
|Travelers Money Card||$3.50|
|Deposited Item Return||$25.00/Item|
|Verification of Deposit||$15.00|
|Inactive Account Fee||$5.00/Quarterly *(less than $100.00 deposit, 2 years no Activity)|
|Loan Late Fee||$25.00|
|HELOC Late Fee||$25.00|
|Credit Card Late Fee||$25.00|
|Online Bill Pay||Free|
|Photo Debit Card||$18.00|
|Electronic Cash Management||$15.00/Item|
|ATM Withdrawal/Transfer||$.75/Transaction (after 5 free/month)|
|ATM Balance Inquiry||$0.75/Each|
|Photo Card Replacement||$18.00/Card|
|ACH Stop Payment||$25.00/Item|
|Debit Card Overdraft||$25.00/Item|
|Photo Debit Card/Replacement||$18.00/Each|
|Safe Deposit Box Fees|
|Annual Rental Size 3 X 5||$10.00/Year|
|Annual Rental Size 3 X 10||$20.00/Year|
|Annual Rental Size 5 X 10||$25.00/Year|
|Annual Rental Size 10 X 10||
|Single Key Replacement||
|Change of Locks||Cost|
Safe Deposit Boxes
Safe Deposit Boxes are available in the dimensions below at our Main Branch
- 3” X 5” - $10/Year
- 3” X 10” - $20/Year
- 5” X 10” - $25/Year
- 10” X 10” - $55/Year
All boxes are 21 inches long.
Free Automatic Transfers
Free Cross-Member Transfer
Using our USE 24 automated phone teller or online banking service, you can transfer funds from your accounts to another USE member.
Send, request, and receive money the easy way - through your mobile device! Click here to learn more about Popmoney.
24-Hour Account Access - 800-493-7406
- Member-to-Member Transfers
- Share Inquiries
- Share-to-Share Transfers
- Access Loan Histories
- Perform CD Inquiries
- Stop Payments
- Order Loan Applications
- Search for Cleared Drafts
- Make Withdrawals by Check
- Check ATM Clearings and Year-to-Date Dividends
- Switch to Another Account Without Disconnecting
- Learn About our Branch Hours and Locations
- Check our VISA and Loan Rates
- Find Service Center Locations
Send money from your account to any domestic Fedwire participating financial institution for $15.00. Incoming wire transfers are also $15.00.
All information and documentation must be received by 3:00pm CST to ensure same day processing. Currently, we are unable to process incoming or outgoing international wire transfers. USE's Routing Number is 303085609.