ATM & Office Locations

List all SEFCU Locations

Fee Schedule

SEFCU strives to keep fees as low as possible. Learn more below.

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.

To view the Business Banking fee schedule, click here.

Savings

Overdraft Transfer from Savings$2.50
Below minimum average daily balance (Preferred Plus)1 $15.00

Minimum average daily balance for Preferred Plus is $100.000

Checking

Certified Personal Check $5.00
Check Protest Fee $15.00
Copy of Canceled Check $5.00
Counter Checks (4 per page) $2.00
Original Canceled Check $5.00
Returned Checks - Deposited $10.00
Returned Checks - NSF (Non-Sufficient Funds) $25.00
Return NSF from POS/Check Card $25.00
Stop Payment on Counter Check $20.00
Stop Payment on Personal Check $20.00
Stop Payment on Teller (Official) Check $20.00

Check Card and ATM Fees

Card Capture $10.00
Deposit Correction $7.50
Deposit of Empty Envelope $15.00
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
Insufficient Funds (Allowed) $25.00
POS Transaction - NSF $25.00
Replacement Card $5.00
Withdrawals/Purchases Outside the U.S. 1% of purchase

SEFCU iPay

SEFCU iPay (Service Fee Based on Relationship)*

Members with an average monthly Share Draft (S9) balance of $500 or greater 
Up to 15 bills per month No Fee
Members with an average monthly Share Draft (S9) balance less than $500
Up to 15 bills per month $5.95
Additional fees
Each Subsequent Bill Pay Transaction (above monthly maximum) $0.50
Bill Pay NSF $25.00
Bill Pay Stop Payment $20.00

* 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

Safe deposit boxes are available at the following locations: 

  • Midler Branch
  • Patroon Creek Branch
  • SEFCU Square Branch
  • Wilton Branch
5"x5"x18" Box size      $50.00 per year
3"x10"x18" Box size $55.00 per year
5"x10"x18" Box size  $80.00 per year
10"x10"x18" Box size$120.00 per year 

Special

Account Closed Within 0-3 months $15.00
Account Research/Reconciliation $15.00
ACH Debit Items Presented for Payment and Returned $25.00
ACH Stop Payment on Electronic Debit $20.00
Address Correction (Mail is Returned, One Time) $2.00
Address Search (One Time) $10.00
Boomer Club $3.00/month
Canadian items4 $10
Canadian returned item4 $15
Certified Teller Check (Official, Treasurer, Cashier) $5.00
Copy of Official Check or Money Order $5.00
Escheatment $25.00
Foreign Collection Item4 $20.00
Interim Account Histories $2.00
IRA Close Plan Fee $15.00
IRA Transfer Fee $15.00
Money Orders (Maximum Value $1,000) $3.00
POP Money - next day only         $5/transaction
Restraining Notices/Levies (Legal) $50.00
Second Lien Release for Auto/RV $10.00
Statement Copy $2.00
Teller Checks (First) $1.00
Teller Checks (Subsequent) $2.00
Wire Transfers (Domestic) $17.00
Wire Transfers (International) $30.00

4 Other processing fees from out-of-U.S. institution may apply.

Transfer Fees

These transfer fees are specifically for transferring funds between your SEFCU account and another account you own at a different financial institution. 

Standard Service 
3 business days for transfer completion
$1.00 to $5,000.00  $4 per transfer
$5,000.01 to $10,000.00  $6 per transfer
$10,000.01 to $15,000.00  $8 per transfer
Premium Service 1 business day for transfer completion 
$1.00 to $5,000.00  $7 per transfer
Other
Inbound transfer     Free