| 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 2/1/2024, 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.
