Fee Schedule

Effective March 8, 2016
CHECKING ACCOUNTS
No-Fee Checking None
High-Rate Checking $6.00/month if daily balance falls below $5,000
Relationship Checking $15.00/month if average daily balance falls below $2,500
DBA Checking None
MONEY MARKET ACCOUNTS*
Money Market $5.00/month if daily balance falls below $1,000
SAVINGS ACCOUNTS*
Statement Savings/Ultra Savings $3.00/month if daily balance falls below $100

Fee is waived with selection of eStatements.

Passbook/Club Accounts None
Ultra Savings $25 per w/d or transfer over 2 per statement cycle
CERTIFICATES & IRAs
Monthly Maintenance (All Terms) None
WIRE TRANSFERS
Incoming None
Outgoing Domestic $20.00
Outgoing International $40.00
OVERDRAFT
Non-Sufficient Funds (NSF) Fee $25.00 per item
Overdraft Transfer Fee $3.00 per transfer
Unavailable Funds (Returned & Paid Items) $25.00 per item
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
Popmoney:
Send Up to $999.99 Next Day $1.50
Send $1,000.00+ Next Day $2.00
Send/Request Less Than $1,000.00 3-Day $1.00
Send/Request $1,000.00 or More 3-Day $1.50
eGreetings $0.25
Popmoney Stop Payment $15.00
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. Contact us for reimbursement if charged a Non-SMCU ATM Transaction Fee at an ATM within our surcharge free network.

MasterCard®
Cross Border 0.9%
Foreign Conversion 0.2%
Replacement Card Fee $10.00**
Rushed Card Fee Up to $58.00
MISCELLANEOUS
Abandoned Property Fee $75.00
Account Reconciliation $25.00 per hour

$15 minimum

ACH Transaction Fee None
American Express Gift Cards $4.95 each
American Express Gift Checks $2.95 each
American Express Travelers Checks 1% of total
Check Certification Fee None
Check Copy Request $4.00**
Check Orders Varies***
Returned Deposited Items $5.71
Foreign Check Collections Varies
Inactive Accounts $3.00 per month
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 $5.00
Signature Guarantee None
Statement Copy Request $4.00**
Stop Payment $15.00 per item**

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

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

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