Fee Schedule

Effective February 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
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 $1.502

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 $10.003
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 Checks $2.95 each
American Express Travelers Checks 1% of total
Check Certification Fee None
Check Copy Request $4.003
Check Orders Fees May Vary4
Returned Deposited Items $7.15
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 $5.00
Signature Guarantee None
Statement Copy Request $4.003
Stop Payment $15.00 per item3

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

1 Per monthly statement cycle.

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

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

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