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Fee Schedule

Important information about fees and service charges

Business Days: Monday through Friday excluding Federal Reserve holidays

Daily Cut-Off for Funds Availability: Close of business day

Daily Cut-Off for Funds Transfer Requests: 3:00 p.m. each business day

ATM Card: Daily cash ATM withdrawal limit - $755; Daily point of sale limit - $750

Visa Debit Card: Daily cash ATM withdrawal limit - $755; Daily point of sale limit - $3,000

Networks: Cirrus, Star, CO-OP, Exchange

Late Charge: Loan payments (except for credit card late payments) made after 14 days past the due date will be charged 5% of each late installment or the maximum amount authorized by applicable law. The maximum fee is $25.00.

Share Par Value: $5.00


FEE AND SERVICE CHARGE INFORMATION

Applies to Minimum Balances on Checking Accounts111-15-2012
Service Fee Suggestion
DBA Dividend Checking Account Maintenance
(if balance falls below $100 on any day)
$5.00 / monthIf $100 minimum is a problem, consider a savings account instead.
Club Account Maintenace
(if average balance falls below $1,000)
$5.00 / monthConsider a savings account instead.
Money Management Account Maintenance
(if balance falls below $1,000 on any day)
$10.00 / monthThis corresponds to the minimum required to earn higher dividends.
Relationship Checking Account Maintenance
Does not apply to members with:
$10.00 / monthVisit our Relationship Checking FAQs.
1) Combined average balance of $2,500 in deposit accounts
OR
2) Combined average balance of $15,000 in loans and/or credit cards
OR
3) 20 or more signature debit transactions on the account per month
Value Checking:
No maintenance fees apply, a $300 lump-sum direct deposit into account within 60 days of opening is required. Account will be converted to a Relationship Checking if this requirement is not met, all fees would then apply.
1Fee is charged to checking account unless otherwise instructed.

Applies to All Accounts110-01-2014
Service Fee Suggestion
Account Reconciliation and Research Service$20.00 / hourBalance your statement monthly and use SCU Online to research as much as possible yourself.
Automatic Overdraft Transfer from Savings
Limited to 6 per month. Click
$5.00 each
(Federal limit
of 6 per month)
Apply for an Overdraft Line of Credit. The cost is only pennies per day on an outstanding balance; pay it back whenever you like. Or, transfer funds yourself through SCU Online for free.
Charge Back Items (Charged when you deposit a check from an account you have with another institution and we are unable to collect due to non-sufficent funds or other reason)$30.00 eachCheck the balance in your other account before depositing a check drawn on it.
Charge Back Items (Charged when you deposit a check, other than your own, from a payor's account at another institution, and we are unable to collect due to non-sufficent funds or other reason)$10.00 eachAsk for payments in cash; accept only from those you trust; request fee reimbursement from the check owner.
Check Cashing Fee: Does not apply to members: 1) age 17 or younger; 2) who have any type of SCU loan; or, 3) who have combined deposit balances of at least $100$5.00 eachBorrow from us; save with us!
Check Orders: Printing (per 150 checks)As charged by check printing vendorUse your debit card and Online BillPayer to reduce check usage.
Copies: Checks / Items$5.00 per item / pagePrint copies of your check images from within SCU Online anytime at no charge.
Copies: Statements$5.00 eachPrint a copy of your eStatement from within SCU Online anytime at no charge.
Dormant Relationship (Charged after 12 months with no member-initiated activity on any account). Fee does not apply to members with combined deposit balances of at least $2,500 or minors.$10.00 / monthAvoid this fee by performing a transaction on any of your accounts once a year.
Dormant Relationship (Charged after 24 months with no member-initiated activity on any account). Fee does not apply to members with combined deposit balances of at least $2,500 or minors.$25.00 / monthAvoid this fee by performing a transaction on any of your accounts once a year.
Holiday Club withdrawals$10.00 per withdrawalHoliday Clubs are intentionally designed to help you meet a savings goal. You will want to have a regular savings account for emergencies, too.
IRA Account Maintenance (per plan / per year)$6.00
Money Management Account Reg D Excess Debits
(6 free per month) Click
$10.00 eachIf you regularly make more than 6 withdrawals monthly, a checking account would probably serve your needs better.
NSF fee (Item is presented against insufficient funds and may be paid via Courtesy Pay or returned unpaid to last depositor); Includes checks, ATM, Debit, ACH and BillPayer$30.00 eachUse free email and text alerts to keep tabs on your balance. View your accounts within SCU Online regularly.
CheckFree NSF fee (Online BillPayer transaction is presented against insufficient funds and may be paid by CheckFree or returned unpaid. This fee is charged by CheckFree, not by SCU, and is in addition to any NSF fee assessed by SCU.$22.00 eachMake sure you have sufficient funds or overdraft protection available before paying bills online.
Premium OD Usage Fee (Insufficient funds; debit card purchase of $5.00 or less is authorized via Courtesy Pay)$5.00 eachYou must opt-in to have debit card purchases covered by Courtesy Pay.
This is a reduction in the fee charged for low cost debit purchases.
Premium OD Usage Fee (Insufficient funds; debit purchase transaction is authorized via Courtesy Pay)$30.00 eachUse free email and text alerts to keep tabs on your balance. View your accounts within SCU Online regularly.
Savings (Share) excessive withdrawals
(after 12 free annually; applies to each withdrawal made in branch or by phone through Member Relations Center)
$5.00 eachIf you are making more than 12 withdrawals annually, a checking account would probably serve your needs better.
Statements: Cut-Off Statement$5.00 eachFrom within SCU Online, choose the history range you wish, then choose statement view at the bottom of the screen to print an interim statement.
Statements: Paper Statements (No charge to members age 70+, or for separate Club and Business account statements)$1.00 eachEnroll in SCU Online and eStatements to view, print and save your statements anytime for free.
Stop Payment Request placed via Telephone Teller or SCU Online$20.00 eachAfter login, select the account to work with; then option 2, option 5 and 3 to reach stop payments.
Stop Payment request (per request for check or ACH)$20.00 each
Stop Payment -- Delete Request (per request)$20.00 each
1Fee is charged to the account for which the service was performed unless otherwise instructed.

Applies to Credit Card Accounts112-01-2010
Service Fee Amount
Card Replacement (Lost, damaged, etc.; per card)$10.00 / card
Late Payment Charge$25.00 maximum
Research (per hour)$20.00 / hour
Returned Convenience Check -- NSF
(Convenience check exceeds available credit on the account)
$25.00 each
Returned PaymentUp to $25.00
Statement Copy$5.00 each
Stop Payment Convenience Check$25.00 each
Verified by Visa Password Reset1 free per year; $5.00 each additional
1Fee is charged to credit card account unless otherwise instructed.

Applies to ATM, DEBIT & EFT (Electronic Funds Transfer) Transactions107-01-2010
Service Fee
ATM Balance Inquiries at ALL machines (including those owned by SCU or Advantage)$1.00 each
ATM Card / Debit Card Replacement (Lost, damaged, etc.; per card)$10.00 / card
ATM Card: Use for purchases (like a debit card) from a savings account$2.00 each
ATM, Debit and ACH non-sufficient funds (per transaction)$30.00 each
ATM Surcharge: Use of NON-SCU ATM or debit card at SCU ATM$3.00 per withdrawal
ATM Transaction Fee: Withdrawals at machines not owned by SCU or Advantage$1.00
BillPayer Inquiry Error (Charged when research is conducted for an incident determined
to be member error)
$25.00
1Fee is charged to the related account.
Applies to Reloadable Visa Prepaid Cards110-04-2012
Service Fee
Initial Card Purchase$4.95 each
Additional Card$4.95 each
Card Replacement (Lost, damaged, etc.)$10.00 per card
Express Delivery (Optional; one-time only at card generation and purse creation; for primary card only)$35.00
Reload Funds (each time you reload value to your card. Initial load is free.)$1.00 each load
ATM Transactions (U.S. and worldwide)$1.00 each
Text Messaging Alerts (optional)$1.00 monthly
Inactivity Fee (after no transaction activity for 12 months)$3.00 monthly
PIN Change$1.00 each
Automated Customer Service CallFirst call per month free; then $.75 each
Live Person Customer Service CallFirst call per month free; then $4.00 each
Foreign Exchange: If a card transaction is made in a currency other than that loaded on the card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed.The exchange rate is the wholesale money market or government-mandated rate, plus 2% (which includes Visa's 1% handling charge).
1Fees are charged to the related card account except for the initial purchase.

Other Miscellaneous Services & Fees110-01-2014
Service Fee
Bad Address: charged to the primary savings account beginning at the end of the month in
which the US Post Office notifies us of a bad address. 2
$10.00 / month
Coin Counter: Members, each visit

Coin Counter: Non Members, each visit
First $125.00 at no fee;
then 10% of remainder

25% of total counted
Non Member Exchange Checks (charged to a non member merchant when requesting an SCU teller check in exchange for a memberís check)$15.00 per item
Official Checks (Free to members with Relationship Checking and Loyalty Checking accounts)$3.00 each
Subpoena Research for Non Members$20.00 / hour plus copy fees with a
minmum of $50.00 per occurrence
Visa Gift Card$3.00 each
Wire Transfer (Domestic)$10.00 Incoming
$15.00 Outgoing
Wire Transfer (International)$30.00
1Fee is charged to the related account, paid in cash or as shown.
2To help prevent fraud, we no longer make address changes based solely on post office notification. We will attempt to contact you if we receive postal notification and will provide you with instructions to follow. Otherwise, please bring your valid government-issued picture ID by any SCU office so that we may verify your request and identity.

Safe Deposit Box Rental102-11-2013
Box Size Annual Fee
3 x 5$25.00
3 x 10$40.00
5 x 10$55.00
10 x 10$85.00
Safe Deposit Box Drill Fee $95.00
1Fee is charged to the account you selected.

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SC State Credit Union 800-868-8740 | 803-343-0300