Business Banking Fee Schedule

Since our beginnings in 1934, SEFCU has served the financial needs of its members by providing a wide range of credit union products at an affordable cost, keeping our service fees as reasonable as possible. In fact, our written policy prohibits the use of fees to generate income for the credit union.

"SEFCU will assess reasonable fees only to offset costs and to encourage responsible use of SEFCU's services by the membership."

SEFCU's ongoing goal is to maintain a generally competitive position on products and services. We cannot always offer the lowest price or the highest return on every product and service without negatively affecting the quality of our offerings and the soundnes

s of our financial cooperative. However, the credit union regularly reviews rates and fees and adjusts them accordingly, in order to apply the best pricing possible for the benefit of our membership.

View the Personal Banking fee schedule



Item Fee
OD (overdraft) protection transfer fee $2.50
Below minimum average monthly balance (Preferred Plus)* $15

Business Checking

Item Fee
Check Protest Fee $15
Copy of Canceled Check $5
Counter Checks (4 per page) $2
Original Canceled Check $5
Returned Checks - Deposited $10
Returned Checks – Insufficient Funds Charge** $28
Paid checks – Insufficient Funds Charge $28
Stop Payment on Counter, Personal, or Teller Check (official) $10

Business Debt Card

Item Fee
Deposit Correction $7.50
Deposit of Empty Envelope $15
ATM Inquiry Fee (SEFCU ATMs and Allpoint® ATMs) $0.
ATM Inquiry Fee (Non-SEFCU ATMs) $0.50
ATM Foreign Transaction Fee (Non-SEFCU ATM withdrawal, includes POB transaction except for Allpoint® ATMs) $1.25/withdrawal
POS/Debit Card Insufficient Funds Charge $28
ATM withdrawal – Insufficient Funds Charge $28
Replacement Card $5
Rush Replacement card $36♦♦
Currency Conv. Fee Non-U.S. Funds 1% of transaction



Item Fee
Bill Payment service fee  $0
Bill Pay NSF $28
Bill Pay Stop Payment $20

Safe Deposit Boxes

Safe deposit boxes1 are available at the following locations:

  • Midler Branch
  • Patroon Creek Branch
  • SEFCU Square Branch
  • Wilton Branch
Item Fee
5"x5"x18" Box size $50 per year
3"x10"x18" Box size $55 per year
5"x10"x18" Box size $80 per year
10"x10"x18" Box size $120 per year


Item Fee
Bulk Cash and Coin Orders cash $.20/strap
coin $.10/roll
Account Closed Within 0-3 months   $15
Account Research/Reconciliation (per hour) $15
ACH Credit Returned Payment Fee $28
ACH debit items – Insufficient Funds Charge** External Withdrawal (Returned) $28
ACH debit items – Insufficient Funds Charge External Withdrawal (Paid) $28
ACH Stop Payment on Electronic Debit $28
Address Search (one time)   $10
Bad Address Fee $2
Canadian Items*** $10
Canadian returned Item*** $15
Copy of Official Check or Money Order   $5
Escheatment   $25
Foreign Collection Item*** $20
Inactivity fee $3/month
Interim Account Histories   $2
Loan Documents $10
Mastercard® Gift Card†† $3.95
Money Orders (maximum value $1,000)   $3
Popmoney® - next day only    $5/transaction†††
Restraining Notices/Levies(legal) $50
Rush Replacement Credit Card $20♦♦
Second Lien Release for Auto/RV $10
Statement Copy   $2
Teller Checks  $2
Wire Transfers (Domestic Outgoing) $22.50
Wire Transfers (Domestic Incoming) $0
Wire Transfers (International Outgoing) $35
Wire Transfers (International Incoming) $10


Transfer Fees

These transfer fees are specifically for transferring funds between your SEFCU account and another account you own at a different financial institution and are initiated by you, not a third party. 

Item Fee
Standard Service
3 business days for transfer completion
$1 to $5,000 $3 per transfer
$5,000.01 to $10,000 $4 per transfer
$10,000.01 to $15,000 $5 per transfer
Premium Service
1 business day for transfer completion
$1 to $5,000 $7 per transfer
Inbound Transfer Free


Cash Management


iTeller for Business


Commercial Loans

Commercial loan fees can be furnished upon request. Please contact your Business Banking Officer.


Please see your Business Benefits Guide for additional information about when fees may be charged and for all other Terms and Conditions governing your accounts.