South Carolina State Credit Union

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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

Applies to Minimum Balances on Checking Accounts

  • SERVICEFEESUGGESTION
  • Money Management Account Maintenance (If balance falls below $1,000 on any day)

    Fee

    $10.00 / month

    Suggestion

    This corresponds to the minimum required to earn higher dividends.

  • Relationship Checking Account Maintenance
    Does not apply to members with:
    1) Combined average balance of $2,500 in deposit accounts
    OR
    2) Combined average balance of $7,500 in loans
    OR
    3) 20 or more signature debit transactions on the account per month

    Fee

    $10.00 / month

    Suggestion

    Visit our Relationship Checking page.

  • Value Checking:
    No maintenance fees apply.

Fee is charged to checking account unless otherwise instructed.

Applies to All Accounts

  • SERVICEFEESUGGESTION
  • Account Reconciliation and Research Service

    Fee

    $20.00 / hour

    Suggestion

    Balance your statement monthly and use SCU Online to research as much as possible yourself.

  • Automatic Overdraft Transfer from Savings. Limited to 6 per month.

    Fee

    $5.00 each (Federal limit of 6 per month)

    Suggestion

    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-sufficient funds or other reason)

    Fee

    $30.00 each

    Suggestion

    Check 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-sufficient funds or other reason)

    Fee

    $10.00 each

    Suggestion

    Ask 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

    Fee

    $5.00 each

    Suggestion

    Borrow from us; save with us!

  • Check Orders: Printing (per 150 checks)

    Fee

    As charged by check printing vendor

    Suggestion

    Use your SCU Visa Debit or SCU Online's BillPayer service to reduce check usage.

  • Copies: Checks / Items

    Fee

    $5.00 per item / page

    Suggestion

    Print copies of your check images from within SCU Online anytime at no charge.

  • Copies: Statements

    Fee

    $5.00 each

    Suggestion

    Print 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.

    Fee

    $10.00 / month

    Suggestion

    Avoid 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.

    Fee

    $25.00 / month

    Suggestion

    Avoid this fee by performing a transaction on any of your accounts once a year.

  • Holiday Club withdrawals

    Fee

    $5.00 per withdrawal

    Suggestion

    Holiday 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)

    Fee

    $6.00

  • Money Management Account Reg D Excess Debits (6 free per month)

    Fee

    $10.00 each

    Suggestion

    If 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

    Fee

    $30.00 each

    Suggestion

    Use 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.

    Fee

    $22.00 each

    Suggestion

    Make 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)

    Fee

    $5.00 each

    Suggestion

    You 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)

    Fee

    $30.00 each

    Suggestion

    Use 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)

    Fee

    $5.00 each

    Suggestion

    If you are making more than 12 withdrawals annually, a checking account would probably serve your needs better.

  • Statements: Cut-Off Statement

    Fee

    $5.00 each

    Suggestion

    From 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)

    Fee

    $1.00 each

    Suggestion

    Enroll 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

    Fee

    $20.00 each

    Suggestion

    After 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)

    Fee

    $20.00 each

  • Stop Payment -- Delete Request (per request)

    Fee

    $20.00 each

Fee is charged to the account for which the service was performed unless otherwise instructed.

Applies to Credit Card Accounts

  • ServiceFee Amount
  • Service

    Card Replacement (Lost, damaged, etc.; per card)

    Fee

    $10.00 / card

  • Service

    Late Payment Charge

    Fee

    $25.00 maximum

  • Service

    Research (per hour)

    Fee

    $20.00 / hour

  • Service

    Returned Convenience Check -- NSF
    (Convenience check exceeds available credit on the account)

    Fee

    $25.00 each

  • Service

    Returned Payment

    Fee

    Up to $25.00

  • Service

    Statement Copy

    Fee

    $5.00 each

  • Service

    Stop Payment Convenience Check

    Fee

    $25.00 each

  • Service

    Verified by Visa Password Reset

    Fee

    1 free per year; $5.00 each additional

Fee is charged to credit card account unless otherwise instructed.


Applies to ATM, Debit & EFT (Electronic Funds Transfer) Transactions

  • ServiceFee Amount
  • Service

    ATM Balance Inquiries at ALL machines (including those owned by SCU or Advantage)

    Fee

    $1.00 each

  • Service

    ATM Card / Debit Card Replacement (Lost, damaged, etc.; per card)

    Fee

    $10.00 / card

  • Service

    ATM Card: Use for purchases (like a debit card) from a savings account

    Fee

    $2.00 each

  • Service

    ATM, Debit and ACH non-sufficient funds (per transaction)

    Fee

    $30.00 each

  • Service

    ATM Surcharge: Use of NON-SCU ATM or debit card at SCU ATM

    Fee

    $3.00 per withdrawal

  • Service

    ATM Transaction Fee: Withdrawals at machines not owned by SCU or Advantage

    Fee

    $1.00

  • Service

    BillPayer Inquiry Error (Charged when research is conducted for an incident determined to be member error)

    Fee

    $25.00

Fee is charged on the related account.


Applies to Reloadable Visa Prepaid Cards

  • ServiceFee Amount
  • Service

    Initial Card Purchase

    Fee

    $4.95 each

  • Service

    Additional Card

    Fee

    $4.95 each

  • Service

    Card Replacement (Lost, damaged, etc.)

    Fee

    $10.00 per card

  • Service

    Express Delivery (Optional; one-time only at card generation and purse creation; for primary card only)

    Fee

    $35.00

  • Service

    Reload Funds (each time you reload value to your card. Initial load is free.)

    Fee

    $1.00 each load

  • Service

    ATM Transactions (U.S. and worldwide)

    Fee

    $1.00 each

  • Service

    Text Messaging Alerts (optional)

    Fee

    $1.00 monthly

  • Service

    Inactivity Fee (after no transaction activity for 12 months)

    Fee

    $3.00 monthly

  • Service

    PIN Change

    Fee

    $1.00 each

  • Service

    Automated Customer Service Call

    Fee

    First call per month free; then $.75 each

  • Service

    Live Person Customer Service Call

    Fee

    First call per month free; then $4.00 each

  • Service

    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.

    Fee

    The exchange rate is the wholesale money market or government-mandated rate, plus 2% (which includes Visa's 1% handling charge).

Fees are charged on the related card account except for the initial purchase.


Other Miscellaneous Services & Fees

  • ServiceFee Amount
  • Service

    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. 1

    Fee

    $10.00 / month

  • Service

    Coin Counter: Members, each visit

    Fee

    First $125.00 at no fee; then 10% of remainder

  • Service

    Coin Counter: Non Members, each visit

    Fee

    25% of total counted

  • Service

    Non Member Exchange Checks (charged to a non member merchant when requesting an SCU teller check in exchange for a member’s check)

    Fee

    $15.00 per item

  • Service

    Official Checks (Free to members with Relationship Checking and Loyalty Checking accounts)

    Fee

    $3.00 each

  • Service

    Subpoena Research for Non Members

    Fee

    $20.00 / hour plus copy fees with a minimum of $50.00 per occurrence

  • Service

    Visa Gift Card

    Fee

    $3.00 each

  • Service

    Wire Transfer (Domestic)

    Fee

    $10.00 Incoming
    $15.00 Outgoing

  • Service

    Wire Transfer (International)

    Fee

    $30.00

Fee is charged to the related account, paid in cash or as shown.
1To 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 Rental

  • Box SizeAnnual Fee
  • Box Size

    3 x 5

    Annual Fee

    $25.00

  • Box Size

    3 x 10

    Annual Fee

    $40.00

  • Box Size

    5 x 10

    Annual Fee

    $55.00

  • Box Size

    10 x 10

    Annual Fee

    $85.00

  • Box Size

    Safe Deposit Box Drill Fee

    Annual Fee

    $95.00

Fee is charged to the account you selected. Safe Deposit Boxes available at certain locations.