Savings Account
Minimum Savings Balance $5.00
Closing Account Within 90 Days $25.00
Check Cashing Fee1 1% of check total
Regulation D Fee (per occurrence)2 $5.00
Insufficient Funds (ATM withdrawal) $32.00
Member Support Fee (per month)3 $3.00


Checking, Online, Corporate Checks
Insufficient Funds $32.00
Returned ACH Items $32.00
Courtesy Pay Fee (per occurrence)6 $32.00
NSF Collection Item (over the counter) $10.00
Counter Checks (4 per sheet) $4.00
Stop Payment Fee $32.00 or 2% of check amount (whichever is greater)
Stop Payment Fee (3 or more in series) $75.00 or 2% of the check amounts (whichever is greater)
Copy of Cleared Check Image (each) $2.00
Check Printing Varies
Bill Pay Insufficient Funds $32.00
Corporate Check $3.00
Cleared Corporate Check Image $10.00
Corporate Check Stop Pay $32.00
Paper Statement Fee for Online Users $4.00


Card Fees
ATM Card Replacement Fee $5.00
Debit Card Replacement Fee $10.00
Card Rush Fee $30.00
Instant Issue (where available) Non-Replacement FREE
ATM Withdrawals at non-SCCU Terminals $2.00
Visa Gift Cards $3.50 for member; $5.00 non-member
Reloadable Visa Gift Card $6.50 purchase; $4.50 each reload
Foreign VISA Debit Card Transaction Fee 1%


Other Fees
Bad Address (Monthly)4 $2.00
Phone Transfer Fee (each) $1.00
Dormant/Inactive (monthly)5
Tax Levy $50.00
Garnishment $50.00
Fax (Incoming) $1.00
Fax Fee (Outgoing - Up to 5 pages) $3.00
Photocopies (First 5 Free) $0.10 each
Phone Payment via Debit Card $15.00
Money Order (each) $3.00
Request to Mail Receipt $1.00
Statement Reconciliation (per hour) $25.00
Research Fee (per hour) $25.00
Recurring ACH Origination Free
One-time ACH $15.00
Incoming Wire $10.00
Outgoing Wire $20.00
Statement Copy $4.00
Canadian Check Processing Fee (minimum) $18.00
HSA Setup $25.00
Safe Deposit Box Replacement Key $20.00
Safe Deposit Box Change Locks $60.00
Safe Deposit Box Drill Bock $350.00
Christmas Club Early Withdrawal FREE
Coin Machine (Members) FREE
Coin Machine (Non-Members) 5%
Notary Services FREE


1No fee for any of the following: Members under the age of 21, the aggregate balance of more than $200 after deposit, loan balance of more than $200, two or more debit or credit transactions within the last 30 days, or member deposits entire check into the account.

2Six unsigned withdrawals out of Savings/Money Market/Christmas Club per month is allowed. Each withdrawal over six will incur a $5.00 per occurrence fee.

3SCCU reserves the right to implement a $3.00 per monthly statement cycle fee whenever the aggregate average account balance is less than $300 in any statement cycle. Minor accounts are excluded.

4If mail is returned to SCCU, a $2.00 fee will be assessed each month until the address is updated. SCCU does not update addresses via "forwarding mail" from the USPS.

5Assessed when no activity on the account for 12 months and the balance is $250 or less. Minor accounts are excluded.

6Courtesy Pay may cover ACH transactions, checks, and Bill Pay items. Any negative balance created by Courtesy Pay has a maximum repayment period of 30 days. SCCU will not pay overdrafts for ATM and everyday debit card transactions unless you have given us authorization for us to pay these overdrafts. Any discretionary payment by SCCU does not obligate SCCU to pay any other overdraft item or to provide prior notice of our decision to refuse to pay such items.

Safe Deposit Box rental fees vary by size and location. Call SCCU for details.

Fees are accurate as of 9/11/2020. If you have any questions, please call 1-800-569-4167.