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Effective December 1, 2018
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 Statement Savings, 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
Non-Sufficient Funds (NSF) Fee $27.00 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.

MasterCard®  
Cross Border 0.9%
Foreign Conversion 0.2%
Replacement Card Fee $10.002
   
MISCELLANEOUS
Abandoned Property Fee $75.00
Account Reconciliation $25.00 per hour 
($15 minimum)
ACH Transaction Fee None
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 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.

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.