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 External Funds Transfer Requests: 3:00 p.m. each business day

Daily Cut-Off for External Loan Pay Requests: 2:00 p.m. each business day

Daily Cut-Off for Remote Deposit Requests: 3:30 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

 

  Download the Truth in Savings Rate & Fee Schedule (116KB PDF)

    • 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.

    • Charge Back Items

      (Charged when you deposit a check or originate an electronic debit transaction 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.

    • Check Orders

      Printing

      Fee

      As charged by check printing vendor

      Details

      Loyalty Checking receives one free box per order. Relationship Checking receives one free box for the life of the account. 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.

    • Inactive 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, minors, or members with open IRAs, Home Equity lines of credit, personal lines of credit, or overdraft protection loans.

      Fee

      $10.00 / month

      Details

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

    • Inactive 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, minors, or members with open IRAs, Home Equity lines of credit, personal lines of credit, or overdraft protection loans.

      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 and repeat presentments.)

      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 3 free monthly; 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 36 withdrawals annually, a checking account would probably serve your needs better.

    • Skip-A-Pay Fee

      Fee

      $25.00 each

      Details

      For members who wish to conveniently skip a loan payment. Terms and conditions apply.

    • 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.

    • Stop Payment Request

      (per request for check or ACH)

      Fee

      $25.00 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 (excluding those owned by SCU)

      Fee:

      $1.00 each

    • Service:

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

      Fee:

      $10.00 / card

    • 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:

      $3.50 per withdrawal

    • Service:

      ATM Transaction Fee: Withdrawals at machines not owned by SCU or Advantage. Up to three waived per month, per card holder.

      Fee:

      $2.00

    • Service:

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

      Fee:

      $25.00

    • Service:

      External Loan Payments Service Fee via SCU Online: applies to payments made using another financial institution’s debit or credit card; free for ACH payments

      Fee:

      $3.50 per transaction

    • Service:

      External Loan Payments Service Fee via Phone Call: applies to payments made using another financial institution’s debit or credit card over the phone with an SCU representative; free for past due loans processed through Loan Adjustments

      Fee:

      $3.50 per transaction

    Fee is charged on the related account.

  • For rates & fees:

     Download the Visa Agreement
     Download the Visa Signature Agreement

    • Money Management Account

       

      Fee

      No maintenance fees apply.

      Details

       

    • 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

      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:

      Domestic Wire Transfer

      Fee:

      $10.00 Incoming
      $15.00 Outgoing

    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.

    • 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.

PRIVACY & FRAUD PREVENTION