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 soundness 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
|Overdraft Transfer from Savings||$2.50|
|Below minimum average monthly balance (Preferred Plus)1||$15|
1 Minimum average daily balance for Preferred Plus is $100,000
|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 - NSF (Non-Sufficient Funds)||$25|
|Return NSF from POS/Debit Card||$25|
|Stop payment on counter, personal, or teller check (official)||$10|
|Deposit of Empty Envelope||$15|
|Non-SEFCU ATM Balance Inquiry||$0.50|
|Non-SEFCU ATM Withdrawal (Includes POB Transactions)||$1.25|
|Non-SEFCU ATM Withdrawal Attempt with NSF||$0.30|
|Non-sufficient Funds (NSF)||$25|
|POS Transaction - NSF||$25|
|Withdrawals/Purchases Outside the U.S.||1% of transaction|
|Members with an average monthly Share Draft balance of $500 or greater|
|Up to 15 bills per month||No Fee|
|Members with an average monthly Share Draft balance less than $500|
|Up to 15 bills per month||$5.95|
|Each Subsequent Bill Pay Transaction (above monthly maximum)||$0.50|
|Bill Pay NSF||$25|
|Bill Pay Stop Payment||$20|
* Balances used to determine SEFCU iPay monthly fees are for a single account number and not aggregate of the balances on multiple accounts.
Safe deposit boxes are available at the following locations:
|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|
*Availability varies by location.
|Account Closed Within 0-3 months||$15|
|Account Research/Reconciliation (per hour)||$15|
|ACH Credit Returned Payment||$25|
|ACH Debit Items Presented for Payment and Returned||$25|
|ACH Stop Payment on Electronic Debit||$10|
|Address Search (one time)||$10|
|Bad address fee||$2|
|Bulk cash and coin orders||cash $.20/strap
|Copy of Official Check or Money Order||$5|
|Foreign Collection Item||$20|
|Interim Account Histories||$2|
|Mastercard® Gift Card||$3.95|
|Money Orders (maximum value $1,000)||$3|
|Out-of US-Collection Item*||$15|
|POP Money - next day only||$5/transaction|
|Second Lien Release for Auto/RV||$10|
|Wire Transfers (Domestic Outgoing)||$22.50|
|Wire Transfers (Domestic Incoming)||$0|
|Wire Transfers (International Outgoing)||$35|
|Wire Transfers (International Incoming)||$10|
*NOTE: Other processing fees from out-of-U.S. institution may apply. For more information, please contact the SEFCU Member Solutions Center at 800-727-3328. All fees subject to change without notice.
Commercial loan fees can be furnished upon request. Please contact your Business Banking Officer.