Personal Accounts

Effective March 2, 2020

CHECKING ACCOUNTS
No Fee Checking None
High Rate Checking $6.00/month1
(If daily balance falls below $5,000)
Relationship Checking $15.00/month1
(If average daily balance falls below $2,500)
DBA Checking None
MONEY MARKET ACCOUNTS*
Money Market $5.00/month1
(If daily balance falls below $1,000)
SAVINGS ACCOUNTS*
Savings Accounts $3.00/month1
(Fee applies to Ultra Savings and Independent Savings accounts if daily balance falls below $100. Waived with selection of eStatements.)
Ultra Savings $25 per withdrawal/transfer 
(Over 2 per month)
Passbook/Club Accounts None
CERTIFICATES & IRAs
Monthly Maintenance (All Terms) None
IRA Outgoing Trustee Transfer Fee $25.00
WIRE TRANSFERS
Incoming None
Outgoing Domestic $20.00
Outgoing International $45.00
OVERDRAFT

Overdraft Fee (Paid Item)

Non-Sufficient & Unavailable Funds

$25.00 per item

Return Item Fee

Non-Sufficient & Unavailable Funds

$27.00 per item
Overdraft Transfer Fee $3.00 per transfer
ELECTRONIC BANKING
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
ATM/DEBIT CARD
Maintenance Fee None
Non-SMCU ATM Transaction Fee $1.50

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

MasterCard®  
Cross Border 0.9%
Foreign Conversion 0.2%
Replacement Card Fee $10.00
MISCELLANEOUS
Abandoned Property Fee $75.00
Account Reconciliation $25.00 per hour 
($15 minimum)
ACH Transaction Fee None
Check Certification Fee None
Check Copy Request $4.00
Check Orders Fees May Vary3
Returned Deposited Items $7.75
Excessive Transaction Fee $5.00 per transaction

Federal Regulation D allows for 6 withdrawals or transfers made by check, preauthorized transfer or electronic/telephone transfer per month. This fee is applicable for each transfer/withdrawal over the 6 allowed.

Foreign Check Collections Fees May Vary
Inactive Accounts $3.00 per month1
Levy Fee (Per Levy) $30.00
Lost Passbook None
Money Orders None
Notary Fee None
Official Check Fee None
Research Fee $25.00 per hour 
($15 minimum)
Returned Statements & Notices $5.001
Signature Guarantee None
Statement Copy Request $4.00
Stop Payment $25.00 per item2

NOTES
*Accounts are subject to Federal Regulation D limitations. See your Membership Agreement for details.

1 Per monthly statement cycle.

2 Service free to Relationship Checking account holders. Limit one Replacement Card Fee waiver per year.

3 Relationship Checking accounts come with FREE standard style checks for the life of the account.

Business Accounts

Effective March 2, 2020

ATM/DEBIT CARD
Non-SMCU ATM Transaction Fee

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

$1.501
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
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 (RDC)
Must have Business Basic or Business Plus Checking
One Time Set-Up and Training Fee $150.002
Service Cancellation Fee

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.

$250.003
Monthly Fee $40.00
Posting Cancellation $25.00
BROWSER BASED ACH
Must have Business Basic or Business Plus Checking
One Time Set-Up and Training Fee $150.002
Monthly Fee $25.00
ACH File Upload $5.00/file
ACH Per Item Fee $0.12/item
ACH Return Item Fee $5.00
Posting Cancellation $25.00
OVERDRAFT

Overdraft Fee (Paid Item)

Non-Sufficient & Unavailable Funds

$25.00/item

Return Item Fee

Non-Sufficient & Unavailable Funds

$27.00/item
Overdraft Transfer Fee $3.00/transfer
WIRE TRANSFERS
Incoming None
Outgoing Domestic $20.00
Outgoing International $40.00
MISCELLANEOUS
Abandoned Property Fee $75.00
Account Reconciliation $25.00/hour

$15.00 minimum

ACH Transaction Fee None
Business Checking Plus Service Fee $15.00/month4
Check Certification Fee None
Check Copy Request $4.00
Check Orders Fees May Vary
Deposited Returned Items $7.15
Excessive Transaction Fee

Federal Regulation D allows for 6 withdrawals/transfers per month. This fee is applicable for each transfer/withdrawal over the 6 allowed for Business Money Market and Savings accounts.

$5.00/transaction5
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.

3No 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.

4Business Checking Plus is free for professional services including: dental practices, medical practices, veterinary offices, CPA, and attorneys.

5Transactions include withdrawals or transfers made by check, preauthorized transfer or electronic/telephone transfer. A $5/transaction fee will be charged for each withdrawal/transfer over the 6 allowed.