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

    • Account Reconciliation and Research Service

      Fee

      $20.00 / hour

      Details

      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)

      Details

      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

      Details

      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

      Details

      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 who are:
      Age 17 or younger
      Have any type of SCU loan
      Or
      Have combined deposit balances of at least $100

      Fee

      $5.00 each

      Details

      Borrow from us; save with us!

    • Check Orders

      Printing (per 150 checks)

      Fee

      As charged by check printing vendor

      Details

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

    • Copies: Checks/Items

      Fee

      $5.00 per item / page

      Details

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

    • Copies: Statements

      Fee

      $5.00 each

      Details

      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

      Details

      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

      Details

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

    • Holiday Club withdrawals

      Fee

      $5.00 per withdrawal

      Details

      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

      Details

      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

      Details

      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

      Details

      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

      Details

      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

      Details

      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

      Details

      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

      Details

      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

      Details

      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

      Details

      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.

    • 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.

    • 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.

    • Money Management Account Maintenance

      (If balance falls below $1,000 on any day)

      Fee

      $10.00 / month

      Details

      This corresponds to the minimum required to earn higher dividends.

    • Relationship Checking Account Maintenance

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

      Fee

      $10.00 / month

      Details

      Visit our Relationship Checking page.

    • Value Checking

      No maintenance fees apply.

    Fee is charged to checking account unless otherwise instructed.

    • 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.

    • 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.


    • 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.