Consumer Fee Schedule

The fees listed below are as of September 1, 2017, and they are subject to change without notice. South Metro Federal Credit Union charges fees to fairly distribute the costs of providing a service, not to create profits. We urge you to compare our fees and charges with those of any other financial institution.

Checking, Savings and Share Accounts

Online Banking

Free

eStatements

Free

Bill Pay Monthly

Free

Bill Pay Per Transaction

Free

Overdraft (OD) – Paid or Returned

$30.00 / Item

Non-Sufficient Funds (NSF) – Paid or Returned

$30.00 / Item

Uncollected Funds (UCF) – Paid or Returned

$30.00 / Item

Overdraft Protection – Transfer From Savings

Free

Returned Item

$15.00

Regulation D Violation (Reg. D Fee)

$5.00 per item

Stop Payment – Check & ACH

$25.00

Copy of Check

$5.00

Copy of Statement

$5.00

Account Activity Print-Out

$2.00

Money Market Balance Below Minimum

$10.00 / Month

Dormant Account*

$10.00 / Month

Undelivered Mail

$5.00 / Month

Other Service Fees (Applies to All Accounts)

Check Cashing Non-Member

1.00% / $5.00 min

Rolled Coin Member

$0.25 Per Roll

Coin Counting Member

Free

Coin Counting Non-Member

1.00% / $5.00 min

Collection Items

$35.00

Foreign Check Collection

$10.00 / Item

Cashiers Check

$5.00

Money Order

$2.00

VISA Gift Card – Not Reloadable

$5.00

VISA Gift Card – Reloadable

$5.00

Account Reconciliation

$25.00

Account Research

$30.00 / Hour

Tax Levy

$60.00

Garnishment

$60.00

Securities Signature Guarantee

$5.00

Notary Service Member

Free

Notary Service Non-Member

$5.00

Mobile Deposit

Free

Online ACH

$10.00

Wire Services

Outgoing Domestic

$30.00

Incoming Domestic

$10.00

Outgoing International

$50.00

Incoming International

$20.00

Returned Wire Fee

$15.00 / Item

Debit Cards

Initial Debit Card

Free

Replacement Debit Card

$10.00

Expedited Card Delivery

$55.00

Debit Card Delivery Address Redirect

$10.00

SMFCU ATM or CO-OP Network ATM

Free

Other ATM Networks

$2.00 / Transaction

International Purchases (POS)

2% of Purchase

International ATM Withdrawals

2% of Withdrawal

ATM Statement

Free

ATM Balance Inquiry

Free

Safe Deposit Boxes

3 x 5 Box Rental

$35.00 Annual

3 x 10 Box Rental

$50.00 Annual

5 x 10 Box Rental

$65 Annual

Replacement Key

$25.00

Change of Lock Fee

$100.00

Drilling of Box

$200.00

* Accounts become dormant after 15 months of inactivity.

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