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Fee Schedule Effective September 1, 2010
Share Draft Account Fees $25.00/Each
Counter Overdraft
$5.00/Transfer
Overdraft Protection
$5.00/Day Occurrence
Stop Payment
Temporary Checks
$2.50/Package in excess of 10
Share Draft Printing
Prices may vary depending upon style
Check Order Billing
Prices may vary depending upon style
Regular Share Draft Service
$8.00/ Each statement period, if the minimum balance is not maintained.
Returned Draft/Overdraft Privilege
$25.00/Item
Returned Deposit
$25.00/Item
Check Copy
$3.00/Each
Courtesy Pay
$25.00/Each
ACH Origination NSF Fee
$25.00/Each
ATM/Debit Card Overdraft
$5.00
Closed Account Fee
$10.00 if closed within six months of opening of account
Inactive Account Fee
$5.00 if inactive for 12 months
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Other Service Fees (applicable to all accounts) |
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| Account Reconciliation | $10.00/Hour |
| Account Reopening (if closed less than six months) | $5.00 |
| Account Research/Reconciliation | $25.00/Hour |
| Statement Copy |
$3.00/Each |
| Account History Printout |
$3.00/Page |
| Official Credit Union Checks |
$3.00/Each |
| Deposited Item Return | $20.00/Item |
| Wire Transfer (Outgoing) | $20.00/Transfer |
| Wire Transfer (International) | $40.00/Transfer |
| Money Orders | $1.00/Money Order |
| MasterCard Gift Cards | $2.50/Each |
| MasterCard Reloadable Cards | $2.50/Each |
| MasterCard Travel Cards | $8.50/Each |
| MasterCard Youth Cards | $2.50/Each |
| Inquiry | $1.00/Page |
| Fax: Local | $2.50/Page |
| Fax: Out-of-Town | $5.00/Page |
| Return Mail | $5.00 after 2nd piece |
| Loan Collateral Early Release | $10.00 |
| Loan Collateral Substitution | $10.00 |
| Collection Items | $5.00/Each |
| Duplicate Lien Release | $5.00/Each |
| Carfax Report | $20.00 |
| Loan Cancellation | $20.00 |
| Skip-A-Payment | $25.00 two times per year |
| Check Cashing Fee for Members with a Share account only with a balance under $100.00 | 1% or $2.00 whichever is greater, but not to exceed $15.00 |
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Electronic Funds Transfer Fees |
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| ATM Card | No Fee for the first card |
| Additional/Replacement Card | $5.00/Each |
| ATM/Debit Card PIN Replacement | $1.00/Each |
| Bill Pay |
Free w/ Checking and E-statements if at least 3 bills are paid each month. If requirements are not met, there will be a fee of $5.99 per month. |
| MasterMoney Debit Card | No Fee for the first card |
| Additional/Replacement Card | $5.00/Card |
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Credit Union Membership |
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| Membership Share | $20.00 must remain in account |
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Membership |
$1.00, must be an employee of a school within our field of membership, and their direct relatives or anyone who lives, works, worships or attends school in Smith county. |
