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
Free
eStatements
Free
Bill Pay Monthly
Free
Bill Pay Per Transaction
Free
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
Free
Returned Item
$15.00
Regulation D Violation (Reg. D Fee)
$5.00 per item
Stop Payment – Check, ACH & Zelle
$25.00
Copy of Check
$5.00
Copy of Statement
$5.00
Account Activity Print-Out
$2.00
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
Free
Replacement Debit Card
$10.00
Expedited Card Delivery
$55.00
Debit Card Delivery Address Redirect
$10.00
SMFCU ATM or CO-OP Network ATM
Free
Other ATM Networks
$2.00 / Transaction
International Purchases (POS)
2% of Purchase
International ATM Withdrawals
2% of Withdrawal
ATM Statement
Free
ATM Balance Inquiry
Free
Other Service Fees (Applies to All Accounts)
Pay by Phone, One-Time Loan Payment
$5.00
Check Cashing Non-Member
1.00% / $5.00 min
Rolled Coin Member
$0.25 Per Roll
Coin Counting Member
Free
Coin Counting Non-Member
1.00% / $5.00 min
Collection Items
$35.00
Foreign Check Collection
$10.00 / Item
Cashiers Check
$5.00
Money Order
$2.00
VISA Gift Card – Not Reloadable
$5.00
VISA Gift Card – Reloadable
$5.00
Account Reconciliation
$25.00 / Hour
Account Research
$30.00 / Hour
Tax Levy
$60.00
Garnishment
$60.00
Securities Signature Guarantee
$5.00
Notary Service Member
Free
Notary Service Non-Member
$5.00
Mobile Deposit
Free
Online ACH
$10.00
Wire Services
Outgoing Domestic
$30.00
Incoming Domestic
$10.00
Outgoing International
$50.00
Incoming International
$20.00
Returned Wire Fee
$15.00 / Item
Share Value
Par Value of One Share
$5.00
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
$25.00
Change of Lock Fee
$100.00
Drilling of Box
$200.00
* Accounts become dormant after 15 months of inactivity.
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Routing #: 091981646 | NMLS ID # 1059389
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