Schedule of Fees
Description Amount of Charge
Share (Savings) Account
Share Account Withdrawal Fee (in excess of one withdrawal per month) $1.00 per withdrawal
Closed Account within first year of opening account $25.00
Return Item Fee $30.00 per item
Non-Sufficient Funds Fee $30.00 per item
CHECKING ACCOUNT
Share Draft Minimum Balance Fee (must maintain a balance of $400 at all times) $6.00 per statement cycle
Overdraft Transfer Protection Fee $3.00 per transaction
Photocopy of Share Draft (in excess of two per month) $2.00 per copy
Stop Payment Fee $30.00 per item
*Non-Sufficient Funds Fee (NSF/Overdraft Privilege Fee $30.00 per item
Temporary Checks/Set of 6 $2.00 per set
Closed Account within first 60 days of opening $25.00
Return Check Fee $30.00 per item
International Collection Cost plus $10.00 each
MASTERCARD DEBIT CARD
Debit Card Usage Fee
SWECU Owned ATM FREE
Non-owned ATM Balance Inquiry $2.00 per transaction
Non-owned ATM Cash Withdrawals $2.00 per transaction
Savings Accounts 5 free Point of Sale on the 6th transaction $1.00 per transaction
Debit Card Replacement Fee $5.00 per card
*Non-Sufficient Funds Fee (NSF)/Overdraft Privilege Fee Debit Card Transactions $30.00 per item
MONEY WIRES
Western Union $20.00
Wire Transfer Fee (Outgoing)
Domestic $20.00
Wire Transfer Fee (Incoming) $5.00
HOME BANKING (Share and Share Draft Accounts)
With E-Statements Free
Without E-Statements $2.00 per month
Bill Payment $5.50 per month
(Waived if member makes at least 5 bill payment transactions per month)
SERVICE FEES
*Non-Sufficient Funds (NSF)/Overdraft Privilege Fee Preauthorized Payments $30.00 per items
Negative Account Balance Over Ten (10) Consecutive Business Days and Every Consecutive 10 Days After $30.00
Research Fee (one hour minimum) $30.00 per hour
Statement Copies $1.00 per page
Transaction Print-Out Fee $1.00 per page
Coin Fee Member FREE
Coin Fee Non-Member 5% of amount
Telephone Inquiry Fee $1.00 per call
Check Cashing Fee 1% of checks cashed
(Waived if member has a balance of $250 in the account, a checking account, a loan or MasterCard Credit Card with the Credit Union)
Stop Payment of Pre-authorized Payment $30.00 per item
Return Check Fee $30.00 per item
Return Check Fee Loan Payment $30.00
MISCELLANEOUS
Money Orders $1.00 each
Tellers Checks (in excess of one free per month) $1.00 per check
Verification of Account Requests $5.00 per request
Notary Service FREE
Insufficient Address Fee $5.00 per month
Skip a Loan Payment Fee (per occurrence) $25.00
Fax Services (Incoming or Outgoing) $1.00 per page
Photocopies $1.00 per page
Credit Card Replacement Fee $5.00 per card
Safety Deposit Box Drill Fee $125.00
Safety Deposit Box Re-Key $25.00
*The Overdraft Privilege Fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, debit card transactions, or by other electronic means. Rev. 05/28/2013