Fee Schedule

The fees listed below are subject to change without advance 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.

Service	Fee
Savings Account Fees
Savings Account Low Balance fee	$3 per withdrawal if the minimum balance of $100 is not maintained
Checking Account Fees
Overdraft fee	$20 per item
NSF fee	$20 per item
Stop Payment fee	$20 per request
Check Printing fee	Prices vary depending upon style.
Classic Checking Account Low Balance fee	$3 per withdrawal if the minimum balance is not maintained
Masters Checking Account Low Balance fee	$3 per withdrawal if the minimum balance is not maintained
Business Checking Account Low Balance fee	$10 per withdrawal if the minimum balance is not maintained
Other Service Fees (applicable to all accounts)
Account Reconciliation fee	$25 per hour
Statement Copy fee	$2 per copy
Deposited Item Return fee	$7 per item
Items Sent for Collection fee	$20 per item
Wire Transfer (outgoing) fee	$20 per transfer
International Wire fee	$38 per transfer
Money Order fee	$1 per money order, $1.50 non-member
Dormant Account fee	$5 per month after one (1) year
Credit Union Check fee	$3 per check
Western Union Wire fee	$23
Check Copy fee	$2
Check Cashing fee	$3 if non-active account
VISA Gift Checks fee	$2.50 per $100
Replacement VISA Debit Card	$10
Loan Late Payment fee	$10 after ten (10) days
Securities Signature Guarantee	$4
Non-Member Fax	$1 per page, $1.50 long distance
Electronic Funds Transfer Fees
Non-proprietary ATM Withdrawal/Transfer fee*	$1 per withdrawal/transfer
ACH Stop Payment fee	$20
ACH NSF Item	$20
* No charge for withdrawals made at Shazam Network or participating Minnesota CU ATMs.
Safe Deposit Box Fees
Annual Rental Size:
3 x 5	$25 per year
3 x 10	$35 per year
5 x 10	$45 per year
Change of Lock fee	$100
Drilling of Box fee	$150
Credit Union Membership
Membership Share	$5 per value