Consumer Fee Schedule

The fees listed below are as of September 2, 2021, 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.
Checking, Savings and Share Accounts
Online Banking
Bill Pay Monthly
Bill Pay Per Transaction
Bill Pay Overnight Check
$14.95 / Item
Bill Pay Same Day
$ 9.95 / Item
Overdraft (OD) – Paid or Returned
$30.00 / Item
Non-Sufficient Funds (NSF) – Paid or Returned*
$30.00 / Item
Uncollected Funds (UCF) – Paid or Returned
$30.00 / Item
Overdraft Protection – Transfer From Savings
Returned Item
Regulation D Violation (Reg. D Fee)
$5.00 per item

Stop Payment – Check, ACH & Zelle

Copy of Check
Copy of Statement
Account Activity Print-Out
Money Market Balance Below Minimum
$10.00 / Month
Dormant Account**
$10.00 / Month
Undelivered Mail
$5.00 / Month

*A particular item may be presented for payment multiple times. You may be charged an NSF or overdraft fee for each presentment.
**Accounts become dormant after 15 months of inactivity.

Debit Cards
Initial Debit Card
Replacement Debit Card
Expedited Card Delivery
Debit Card Delivery Address Redirect
Other ATM Networks
$2.00 / Transaction
International Purchases (POS)
2% of Purchase
International ATM Withdrawals
2% of Withdrawal
ATM Statement
ATM Balance Inquiry
Other Service Fees (Applies to All Accounts)
Pay by Phone, One-Time Loan Payment
Check Cashing Non-Member
1.00% / $5.00 min
Rolled Coin Member
$0.25 Per Roll
Coin Counting Member
Coin Counting Non-Member
1.00% / $5.00 min
Collection Items
Foreign Check Collection
$10.00 / Item
Cashiers Check
Money Order
VISA Gift Card – Not Reloadable
VISA Gift Card – Reloadable
Account Reconciliation

$25.00 / Hour

Account Research
$30.00 / Hour
Tax Levy
Securities Signature Guarantee
Notary Service Member
Notary Service Non-Member
Mobile Deposit
Online ACH
Wire Services
Outgoing Domestic
Incoming Domestic
Outgoing International
Incoming International
Returned Wire Fee
$15.00 / Item
Share Value
Par Value of One Share
Safe Deposit Boxes
3 x 5 Box Rental
$35.00 Annual
3 x 10 Box Rental
$50.00 Annual
5 x 10 Box Rental
$65 Annual
Replacement Key
Change of Lock Fee
Drilling of Box
* Accounts become dormant after 15 months of inactivity.
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Routing #: 091981646  |  NMLS ID # 1059389

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