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South Division Credit Union Fee Schedule
 Effective February 1, 2009

General Services
Cashiers Check $3.00
Travelers Checks:
     Single Signer
     Two Signers
1% of Purchase Price
2% of Purchase Price
Visa® Gift Card $3.00
Wire Transfers:
     Incoming
     U.S.
     International		  
$10.00
$25.00
$50.00
Account History (up to 30 days) $5.00
Statement Copy (per month) $10.00
Photocopies (each) $.25
Fax Service $1.00
Cancelled Check Copy (each) $5.00
Telephone Transactions (in lieu of TeleVoice or Martix 21) $2.00
Bad Address (per item) $5.00
Express Mail Service
 		 $15.00
(extra charge for Saturday delivery)
Account Verification to Third Party $5.00
Account Reconciliation & Research (per hour min.) $25.00
Canister Replacement $150.00
Stop Payment on Check $35.00
Collection Item $35.00
Return Deposit Fee $35.00
Garnishment/Levy $75.00
Check Cashing Fee
(Applies to members receiving cash back on an item greater than savings balance)		 $8.00
Daily Overdraft Fee (per day, assessed end month) $5.00
TeleVoice & Matrix 21 No Fee
Coin Roll Purchase No Fee
Notary No Fee
Third Part Correspondence No Fee


Savings Services  
Balances Below ($50 per month) $10.00
Low Balance Fee:
Minimum balances less than $300 or aggregate
savings/loan balances less than $2500		 $6.00 per month
Share Withdrawals per Quarter (includes Overdraft Protection)
     first 6 per quarter
     after 6 (each)		  
No Fee
$10.00 each
New Share Account Closed in first 120 days $25.00
Teller (SDCU Corporate) Checks $1.00
Dormant Account (no activity after 3 years, per month) $10.00
Club Account(s) Early Withdrawals $5.00 each
Money Market Account Below $2,500 (per month) $10.00
ACH NSF Return/Exception Items $35.00
Coin Counting (Kids Accounts free with deposit) $1% over $100.00
Checking Accounts  
Service Fee No Fee
NSF/Returned Check $35.00
NSF/Paid Check (Not Courtesy Pay Option) $35.00
Courtesy Pay Option $25.00
Overdraft Protection Transfer from Savings $10.00 each
Stop Payment
     $50 maximum if lost or stolen		 $35.00
Check Copy (No Fee via Matrix21) $5.00
Non-Member Cashing Member Check(s) (each) $10.00
Check Card  
Annual Service No Fee
Reconfirm/Change Pin No Fee
SDCU ATM Transactions No Fee
Point of Sale (POS) Merchant VISA "Credit" Transactions No Fee
Network(STAR, Coop, AllPoint) or POS/PIN Transactions    
       first 4 per month
       after 4 per month

No Fee
$1.00 each
Any ATM Network Deposits No Fee
Check Card Replacement $10.00
Courtesy Pay Option $25.00
IRAs  
IRA Application/Account Set-up No Fee
IRA Annual Charge No Fee
IRA Return of Excess (Disallowed) Contribution No Fee
IRA Premature Distribution (IRS Penalty may apply) No Fee
IRA (partial) Transfer to non-SDCU Account No Fee
IRA Account Closure $25.00
Loans  
VISA  
Over Credit Line Limit $25.00
Returned Account Payment Item $35.00
Late Account Payment Item $35.00
Inactive Account (less than 2 purchases in 12 months) $25.00
Card Replacement Fee $10.00
Card Recovery Fee (captured card) $65.00
Statement Copy or Transaction Documentation $10.00
Member Cash Advance No Fee
Balance Transfer to SDCU Account No Fee
Mortgages  
First Mortgage Application No Fee
Home Equity Line of Credit (HELOC) No Fee
Fixed Rate Home Equity No Fee
Consumer Loans  
Late Payments $35.00
Duplicate/Title Correction $65.00

FEES ARE SUBJECT TO CHANGE upon 30 Day Notice to Members. Fees reflect the cost of providing these specific services to the Members.  There may be other fees or charges for services not on this schedule. Questions should be directed to your Financial Services Representative.
 
 
 
NCUA