Business Fee Schedule

Effective August 1, 2015
ATM/DEBIT CARD
Non-SMCU ATM Transaction Fee1

Additional fees may be charged by other financial institutions outside of our surcharge-free network of 37,000 ATMs.

$1.50
Replacement Card Fee $10.00
MasterCard®
Cross Border 0.9%
Foreign Conversion 0.2%
Annual/Monthly Maintenance Fee None
Employee Debit Card Fee None
Rushed Card Fee Up to $58.00
BUSINESS eBANKING
Bill Pay Monthly Fee

Waived if 5 bill payments are made per month

$5.95
Regularly Scheduled Bill Payments None
Same Day Bill Payments $10.00
Overnight Check Bill Payments $15.00
eStatements None
Mobile Banking None
Mobile Deposit None
Online Banking None
REMOTE DEPOSIT CAPTURE
Must have Business Plus Checking
One Time Set-Up and Training Fee2

No cancellation fee if service is cancelled within 30 days of set-up. After 30 days, if service is cancelled within the first 12 months, a $250 cancellation fee may apply.

$150.00
Monthly Fee $40.00
Posting Cancellation $25.00
BROWSER BASED ACH
Must have Business Plus Checking
One Time Set-Up and Training Fee2 $150.00
Monthly Fee $25.00
ACH File Upload $5.00/file
ACH Per Item Fee $.12/item
ACH Return Item Fee $5.00
Posting Cancellation $25.00
OVERDRAFT
Non-Sufficient Funds Fee $25.00 per item
Overdraft Transfer Fee $3.00 per item
Unavailable Funds (Returned & Paid Items) $25.00 per item
WIRE TRANSFERS
Incoming None
Outgoing Domestic $20.00
Outgoing International $40.00
CERTIFICATES & IRAs
Monthly Maintenance (All Terms) None
MISCELLANEOUS
Abandoned Property Fee $75.00
Account Reconciliation $25.00 per hour

$15.00 minimum

ACH Transaction Fee None
American Express Gift Checks $2.95 each
Check Certification Fee None
Check Copy Request $4.00
Check Orders Fees May Vary
Check Count Fees May Vary
Deposited Returned Items $5.71
Foreign Check Collections None
Inactive Accounts $3.00/month
Levy Fee (Per Levy) $30.00
Lost Passbook None
Money Orders None
Notary Fee None
Official Check Fee None
Research Fee $25.00/hour

$15.00 minimum

Returned Statements and Notices $5.00
Signature Guarantee None
Statement Copy Request $4.00
Stop Payment $15.00/item

1Contact us for reimbursement if charged a Non-SMCU ATM Transaction Fee at an ATM within our surcharge free network.

2If Business enrolls in both RDC and ACH, one training fee will be waived.