Schedule of Fees

Savings Account Fees
New Account Fee $5 per account
Account Fees
Return item fee $28 per item
Dormant/Inactivity Fee $10 per year after 12 months of inactivity
Processing Fees Dormant Accounts, Garnishments, Levies & DHHS Orders $50 per item
Overdraft and/or Member Privilege Fee $28 per item
Stop Payment $25 per item
Excessive Withdrawal Fee (share accounts) $.50 per withdrawal in excess of 3 transactions per month
Account Reconciliation Fee $20 per hour
Copy of statement $2 per statement
Copy of Money Order or Corporate Share Draft $5 per check
Withdrawal Transfer Fee $4 per transfer
Returned Deposited Item (personal account or business account) $15 per item
Returned Statement Fee $3 per statement
Checking Printing Fee Varies by Style
Replacement Debit Card Fee $10 per card
Credit Card Express Issue $50 per card
Other Service Fees (applies to all accounts) 
Account Research Fee $20 per hour
Money Order $2 per item
Corporate Share Draft $5 per item
Outgoing Wire Transfer (domestic) $25 per transfer
Incoming Wire Transfer (domestic) FREE
Outgoing Wire Transfer (foreign) $35 per transfer
Income Wire Transfer (foreign) FREE
Outgoing /Incoming Share to Share Transfer FREE
Visa Gift Cards $2.95 per card
Visa Travel Card $8.95 per card
Reload Fee (Reloadable Visa Travel Cards) $4.95 per reload
Electronic Funds Transfer 
ATM Withdrawals FREE at SurF ATMs
Point-of-Sale FREE
Online Banking, Shared Branching, CU e-statement, ITalk Audio Response, Check Imaging, eAlerts, Mobile Banking, Mobile Deposit FREE
Bill Pay:  Regular Member Accounts and Business Accounts FREE

Effective 7/1/2024, subject to change.

Overdraft fees may be imposed on transactions created by check, in-person withdrawal, or other electronic means.  Overdrafts may not be paid if the account is not in good standing.  Member Privilege may be available 30 days after the checking account has been opened.   You have 30 days to repay and bring the account to a positive end-of-day balance.