Fee Schedule

EARLY CLOSURE FEES 

Close Account within 90 days of Opening $15.00    

CHECKING ACCOUNT FEES

  • Overdraft fee $25.00 per item
  • NSF $25.00 per item
  • Deposit Item Returned Unpaid $20.00 per item
  • Transfer from Shares to cover overdraft $5.00 per item
  • Replacement debit card or PIN Mailer $10.00 
  • Debit Card inactivity fee (inactive for more than 12 months) $12.00 

   

OTHER SERVICE FEES (APPLICABLE TO ALL ACCOUNTS)

  • Notary Fee for non-credit union documents $10.00 
  • Research Paid Item $6.00 per item
  • Transaction Photocopy $6.00 
  • Domestic wire transfer (outgoing) fee $25.00 
  • International wire (outgoing) fee $30.00 
  • Statement,  copy or mid-cycle $2.00 per month
  • Return Statement Fee $5.00 
  • Money Order $3.00 per item
  • Teller check payable to third party* $3.00 
  • Additional CU Tellers's check payable to member issued same day $1.00 per additional check
  • Stop Payment: single item $15.00 
  • Stop Payment: series of checks $20.00 
  • Bond Insurance actual cost 
  • Locator Fee $5.00 per year
  • Individual Retirement Account $5.00 per year
  • Written Verification of Deposit $10.00 
  • Incorrect Taxpayer ID number $50.00 
  • Subpoena of Records $24.00 per hour
  • Photocopies Fee $0.20 per copy
  • Reconciliation Assistance $15.00 per hour
  • Penalty to close for abusive use $35.00 
  • Late Payment on Visa Credit Card $10.00 
  • Credit Card Cash Advance Fee 3%, up to $10.00 
  • Replacement Credit Card $10.00 
  • VISA Foreign Transaction fee; 1.00% of transaction amount
  • 3rd Party ATM Balance Inquiry Fee $1.00 
  • Non-proprietary ATM Third Party Surcharge Fees May Apply as Applicable

   

REAL ESTATE FEES

  • Demand for Payoff $30.00 
  • Subordination fee $50.00 
  • Third Party / Other Services actual cost 
  • Reconveyance $45.00 

This Fee Schedule sets forth the fees charged by Southernmost FCU for using various accounts and services. Please review this information along with the Membership Agreement, and Truth-in-Savings Disclosure to educate on the best accounts and services for your financial needs. The Credit Union reserves the right to change the terms and conditions of these accounts from time to time without notice to you unless provided by law.

Revised as of September 25, 2017