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South Division Credit Union Fee Schedule
 Effective January 1, 2006

General Services
Visa® Gift Card $3.00
Cashiers Check $3.00
Travelers Checks:
     Single Signer
     Two Signers

1% of Purchase Price
2% of Purchase Price
Wire Transactions/Western Union:
     Incoming
     U.S.
     International
 
$10.00
$25.00
$35.00
Corporate Stop Payment $25.00
Account History (up to 30 days) $5.00
Statement Copy (per month) $10.00
Copy of Any Negotiable Check $5.00
Collection Item $25.00
Return Deposit Fee $25.00
Written Correspondence to Third Party/Inquiries
    additional copies
$5.00
$1.00
Televoice Phone Transactions No Fee
Telephone Transactions/Inquiries
     if fax, additional
$2.00
$1.00
Notary No Fee
Garnishment/Levy $75.00
Bad Address (per item) $5.00
Signature Guarantee $2.00
Photocopies $.25 each
Coin Roll Purchase No Fee
Fax Service $1.00
Express Mail Service
 
$15.00
(extra charge for Saturday delivery)
Account Verification $5.00
Account Reconciliation & Research (per hour min.) $25.00
Canister Replacement $150.00
Check Cashing Fee
(Applies to members receiving cash back on an item greater than savings balance)
$8.00
American Express Gift Checks $2.50
Negative Account Fee $3.00/day



Savings Services  
Balances Below ($50 per month) $5.00
Low Balance Fee:
Minimum balances less than $300 or aggregate
savings/loan balances less than $2500
6.00 per month
Excessive Withdrawal:
     first 6 per quarter
     after 6 (each)
 
No Fee
$10.00 each
Account Closed in 120 days $25.00
SDCU Check Withdrawals (after 1 per visit) $1.00
ACH NSF Return/Exception Items $25.00
Club Account Early Withdrawals $5.00 each
Coin Counting (Kids Accounts free with deposit) $1% over $100.00
Inactive Account (after 3 years) $10.00 per month
Money Market Account Below $2,500 $10.00

Checking Accounts  
Service Fee No Fee
NSF/Returned Check $25.00
NSF/Paid Check $25.00
Overdraft Transfer from Savings $5.00 each
Stop Payment
     $50 maximum if lost or stolen
$25.00
Check Copy $5.00
Copy of Statement (per month) $10.00
Share Draft & Corporate Check Cashing to Non-Members
(> $500 verification required)
$10.00
Courtesy Pay Privilege $25.00

Check Card  
Unlimited Transactions at SDCU ATM No Fee
Network ATM Transactions (other than SDCU machine) or POS/PIN
    Withdrawal, Balance Inquiry or Transfer        
        first 4 per month
       after 4 per month
 

No Fee
$1.00 each

ATM Deposits No Fee
Check Card Replacement
     In Excess of 2 cards
$10.00
$10.00
Overdrawn Account $25.00
Annual Fee No Fee
Lost/Change PIN # No Fee

IRAs  
IRA Application No Fee
IRA Annual Charge No Fee
IRA Return of Excess Contribution No Fee
IRA Premature Distribution No Fee
IRA External Transfer No Fee
IRA Closure Charge $25.00

Loans  
VISA  
Over limit $25.00
Returned Check Payment $25.00
Copy of Statement $10.00
Late Payment $25.00
Transaction Fee for Cash Advance No Fee
Documentation Fee $10.00
Replacement Card Fee $10.00
Card Recovery Fee $65.00
Non-member Visa Cash Advance $10.00
Inactive Visa (12 months) $25.00

Mortgages  
First Mortgage Application No Fee
Home Equity Line of Credit Application No Fee
Home Equity Fixed Credit Application No Fee

Consumer Loans  
Late Payments $25.00
Duplicate/Title Correction $65.00

FEES ARE SUBJECT TO CHANGE and reflect the cost of providing these services to our members.  There may be other fees or charges for services not on this schedule.  If you have any questions, please contact the Financial Services Department.

 
 
 
NCUA