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 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 Business Banking fee schedule



Item Fee
OD (overdraft) Protection Transfer Fee $2.50
Below Minimum Average Monthly Balance (Preferred Plus)* $15



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


Debit Card and ATM Fees

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
Account Closed Within 0-3 months $15
Account Research/Reconciliation $15
ACH Credit Returned Payment $28
ACH Debit Items – Insufficient Funds Charge** External Withdrawal (Returned) $28
ACH Debit Items Paid – Insufficient Funds Charge External Withdrawal (Paid) $28
ACH Stop Payment on Electronic Debit $10
Address Search (one time) $10
Bad Address Fee $2
Boomer Club $3/month
Canadian Items*** $10
Canadian Returned Items*** $15
Copy of Official Check or Money Order $5
Escheatment $25
Foreign Collection Item*** $20
Inactivity fee (Applies after 12 months of inactivity and aggregate account balance of $100 or less)


Interim Account Histories $2
IRA Close Plan Fee $15
IRA Transfer Fee $15
Loan Documents $10
Mastercard® Gift Cards†† $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
*Minimum average monthly balance for Preferred Plus is $100,000
**Items returned unpaid (e.g., checks, ACH, bill payments) that are re-presented again for payment will be charged additional insufficient funds fees if available funds in your account are still insufficient when re-presented.
***Other processing fees from out-of-U.S. institution may apply.
Funds transfers are initiated by you, not a third party.
††Other Mastercard fees may apply.
†††Popmoney is a payment service that allows you to transfer money from your SEFCU account using the Automated Clearing House (ACH) network. This fee applies because you are using Pop Money to initiate a transfer to a third-party payee. As an alternative to paying the SEFCU fee, you could have the third-party initiate a debit to your SEFCU account. SEFCU does not charge a fee when a third-party payee initiates a debit (withdrawal) to your SEFCU account. However, the payee may charge a fee for initiating the transaction on their end.
Both the ATM Inquiry fee and the Foreign Transaction fee may be charged during the same visit to the non-SEFCU ATM if both transactions are performed.
♦♦For delivery within United States. Fee for delivery outside of the United States will be the actual cost.
1Availability varies by location.