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
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


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 - NSF (Non-Sufficient Funds) $28
Return NSF from POS/Debit Card $28
Stop payment on counter, personal, or teller check (official) $10

Debit Card and ATM Fees

Item Fee
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) $28
POS Transaction - NSF $28
Replacement Card $5
Rush Replacement Card $36
Withdrawals/Purchases Outside the U.S. 1% of transaction


Bill Payment service fee (Service Fee Based on Relationship)*
Item Fee
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
Additional fees  
Each Subsequent Bill Pay Transaction (above monthly maximum) $0.50
Bill Pay NSF $28
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
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

*Availability varies by location.


Item Fee
Account Closed Within 0-3 months $15
Account Research/Reconciliation $15
ACH Credit Returned Payment $28
ACH Debit Items Presented for Payment and Returned $28
ACH Stop Payment on Electronic Debit $10
Address Search (one time) $10
Bad address fee $2
Boomer Club $3/month
Canadian items4 $10
Canadian returned item4 $15
Copy of Official Check or Money Order $5
Escheatment $25
Foreign Collection Item4 $20
Inactivity fee*


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
POP Money - next day only $5/transaction
Restraining Notices/Levies (Legal) $50
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

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

* Applies after 12 months of inactivity and aggregate account balance of $100 or less

Transfer Fees

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

Item Fee
Standard Service
3 business days for transfer completion
$1 to $5,000 $4 per transfer
$5,000.01 to $10,000 $6 per transfer
$10,000.01 to $15,000 $8 per transfer
Premium Service
1 business day for transfer completion
$1 to $5,000 $7 per transfer
Inbound transfer Free