| ACCOUNTS |
MISC RECOVERY FEES |
| Membership Fees (one time charge): |
NSF Share Drafts/ACH Items |
$25.00 |
| Children up to 12 years old |
$5.00 |
NSF Share Drafts over $2500.00 |
$30.00 |
| 12 to 17 years old |
$10.00 |
NSF ATM/DEBIT Transactions |
$25.00 |
| Adults |
$20.00 |
Courtesy Pay Check/ACH Items |
$25.00 |
| Home Banking |
Free |
Courtesy Pay ATM/DEBIT Items |
$25.00 |
| Monthly Service Fee for Checking Account (with direct deposit) |
Free |
Return Item-Closed Acct |
$25.00 |
| Monthly Service Fee for Checking Account (without direct deposit) |
$3.00 per mo |
Return Deposit Item |
$25.00 |
| Monthly Service Fee for Second Chance Checking Account |
$20 per mo |
Return Deposit Item (written by mbr. From diff Inst.) |
$35.00 |
| Share Account Below $25.00 Minimum Balance Fee |
$5.00 per mo |
Return Deposit Item over $2500 |
$30.00 |
| Ultra Checking Account Below Minimum Balance Fee |
$10.00 per mo |
Stop Payment Check/ACH Item |
$20.00 |
| Excessive Share Withdrawal Fee (over 3 per month) |
$5.00 |
Stop Payment Cashier's Check |
$20.00 |
| Ultra Account Saver Excessive Withdrawal Fee (over 3 per month) |
$35.00 |
Photocopy of a Paid Check |
$2.50 |
| Overdraft Transfer Fee (LOC first 3 free) |
$1.00 |
ATM Transaction Fee (after the fourth transaction of the month) |
$1.50 |
| Telephone Transfer Fee (not using Touch Tone Teller) |
$5.00 |
ATM Adjustment Fee |
$5.00 |
| Temporary Checks for Established Accounts (10 per package) |
$4.00 |
ATM Fraudulent Deposit Fee |
$50.00 |
| Cashiers Check Fee (payable to third party) |
$3.00 |
VISA Check Card Annual Fee |
none |
| Checking Account Check Print Orders ** |
at cost |
VISA Check Card/PIN Replacement Fee (for recurrent losses) |
$10.00 - $45.00 |
| Re-Open Account (within 6 months) |
$25.00 |
VISA Check Card PIN Count Reset |
$2.00 |
| Re-Open Account Closed by SPCU |
$25.00 |
VISA Check Card Link/Unlink Fee |
$5.00 |
| IRA Closure Fee |
$5.00 |
VISA ISA Fee ($20 max per trx; $100 max per day) |
3% of trx |
| IRA Transfer from SPCU Fee |
$25.00 |
Domestic Wire Transfer Fee |
$20.00 |
| IRA Annual Maintenance Fee |
$5.00 per year |
Foreign Wire Transfer Fee (at cost) |
$30.00 |
| Document Copy (per page) |
$2.00 |
American Express Travelers Checks Fee (max $20.00 ) * |
1% of purchase |
| Account History Printouts (per page) |
$2.00 |
American Express Gift Check |
$2.50 |
| Duplicate Statement (per stmt) |
$5.00 |
Money Order Fee * |
$3.00 |
| Account Reconcilement & Research Assistance (1 hr min) |
$30.00 per hour |
Check Cashing Fee Non-Mbr (1% if check total is over $500) *** |
$5.00 min |
| |
Processing Coin Deposits (first five at no cost) |
.10 per roll |
| Locator Fee |
$5.00 |
| Bad Address Fee |
$5 per mo |
| Collection Item Fee |
at cost + $5.00 |
| Fax on Demand |
$10.00 |
| Notary Fee (per signature - no charge for SPCU doc.) |
$10.00 |
| Verification of Deposits |
$10.00 |
| Fraudulent Transaction Dispute Fee |
$50.00 + expenses |
| Member Maintenance Fee (For Inactive Members) |
$2.00 per mo |
| Escheatment Fee |
$5.00 |
| Courier Fee |
$25.00 |
| Signature Guarantee/Immigration Letter Fee |
$5.00 |
| Levy/Lien/Subpoena Processing |
$25.00 |
| Back-Up Withholding/Dividend Withholding Fee (per quarter) |
$20.00 |
LOANS |
| Manual Loan Advance Fee |
$5.00 |
| LOC Annual Maintenance Fee |
$10.00 per year |
| Late Fee-Consumer Loans ($10.00 or 8% of pymt-whichever is higher) |
$10.00 or 8% |
| Late Fee - First Mortgage |
5% of payment |
| Return Item Ln Pymts. |
$30.00 |
| VISA Cash Advance Fee (for non-members) |
$20.00 |
| Non-SPCU VISA Cash Advance Fee |
$20.00 |
| Pin # Reset for VISA Cards |
$2.00 |
| Habitual Loan Application Fee |
$25.00 |
| Loan Cancellation Fee (or at cost) |
$50.00 min |
| Mortgage Reconveyance |
$75.00 |
| Mortgage Reconveyance (not our loan) |
$100.00 |
| H/E Payoff Processing Fee |
$25.00 |
| H/E Subsequent Demand |
$50.00 |
| DMV Processing Fee (new and used vehicles) |
$20.00 |
| Line of Credit Check Print Orders (first order free) |
$6.50 |
| Subordination Fee |
$150.00 |
