Consumer Fee Schedule

The fees listed below are as of May 1, 2016, 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.

Please note, a new fee schedule will take effect September 1, 2017. A copy of this schedule was also sent to you in your Quarterly Statements. Click here to download the revised September 1 Fee Schedule.

Checking, Savings and Share Accounts

Online Banking

Free

eStatements

Free

Bill Pay Monthly

Free

Bill Pay Per Transaction

Free

Bill Pay Inactivity- 6 + months no use

$5.00 per month

Overdraft (OD)

$30.00 per item

Non-Sufficient Funds (NSF)

$30.00 per item

Maximum Daily Charge OD & NSF

$150.00 per day

Overdraft Protection – Transfer From Savings

Free

Returned Item

$15.00

Overdraft Protection – Regulation D Violation (Reg. D)

$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

Dormant Account*

$10.00 per month

Undelivered Mail

$5.00 per month

Other Service Fees (applicable to all accounts)

Phone Transfers

$2.00

P2P Transfers

$2.00

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

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 per hour

Tax Levy

$60.00

Garnishment

$60.00

Securities Signature Guarantee

$5.00

Notary Service Member

Free

Notary Service Non-Member

$2.00

Non-Member Fax

$1.00 per page

Mobile Deposit

Free

Online ACH

$10.00

Wire Services

Outgoing Domestic

$25.00

Incoming Domestic

$10.00

Outgoing International

$50.00

Incoming International

$20.00

Western Union

$30.00

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 per 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 per year

3 x 10 Box Rental

$50.00 per year

5 x 10 Box Rental

$65 per year

Replacement Key

$25.00

Change of Lock

$100.00

Drilling of Box

$200.00

* Accounts become dormant after 15 months of inactivity.

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