ATM & Office Locations

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Business Banking 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 Personal Banking fee schedule, click here.


Overdraft Transfer from Savings  $2.50
Below minimum average daily balance (Preferred Plus)1   $15

1Minimum average daily balance for Preferred Plus is $100,000

Business Checking

Certified Personal Check   $5
Check Protest Fee   $15
Copy of Canceled Check   $5
Counter Checks (4 per page) $2
Original Cancelled Check   $5
Returned Checks - Deposited   $10
Returned Checks - Non-Sufficient Funds (NSF)   $25
Return NSF from POS/Debit Card   $25
Stop payment initiated through SEFCU OnLine or Cash Management $10
Stop Payment on Counter Check (in branch) $20
Stop Payment on Personal Check   $20
Stop Payment on Teller (Official) Check   $20

Business Debit Card

Card Capture   $10
Deposit Correction   $7.50
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
Replacement Card   $5
Withdrawals/Purchases Outside the U.S.   1% of transaction


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
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

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 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


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 Correction (mail is returned, one time)   $2
Address Search (one time)   $10
Bulk cash and coin orders cash $.20/strap
coin $.10/roll
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
Out-of US-Collection Item* $15
POP Money - next day only     $5/transaction
Restraining Notices/Levies(legal) $50
Second Lien Release for Auto/RV $10
Statement Copy   $2
Teller Checks (first)   $1
Teller Checks (subsequent)   $2
Wire Transfers (Domestic Outgoing)
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 518-452-8183 or 800-727-3328 outside the 518 area code. All fees subject to change without notice.

Cash Management

Service Fee $20 per month if average monthly checking balance is not maintained
Free otherwise
Set up and training $125 for two hours
$50 for each additional hour
ACH Originations $10/month and $.12/item
Wires (domestic only) $12/wire
Share Draft Stop Payment $10/item
Reverse Positive Pay $25/month and $.06/item
$5 for exception item

iTeller for Business

Single Check Scanner Package
(set up, installation, and training)
Single Check Processing Fee (per hour) Includes 400 items
and $.10/item thereafter
$45/month per scanner
Multiple Check Scanner Package
(set up, installation, and training)
Multiple Check Processing Fee Includes 400 items
and $.10/item thereafter
$70/month per scanner
Per Item Fee (in excess of 400 items) $.10/item
*Prices subject to change without notice

Commercial Loans

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