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.