Program
Fee Amount
Business Savings Account Fees
Business Savings Monthly Service Fee
$5 per month if minimum balance not met
Charge per Deposited Item
$0.15 per item (50 free per month)
Business Money Market, Business Money Market Plus, and High-Yield Money Market Monthly Service Fee
$10 per month if minimum balance not met
Business Money Market, Business Money Market Plus, and High-Yield Money Market Check Over Limit Fee
$10 per check over the 3 check per month limit
Business Checking Account Fees
Overdraft Transfer
$5 per transfer
NSF (check returned)
$29 per item
Courtesy Pay (check paid)
$29 per item
Check Copy Retrieval
(2 copies free per statement)
$2 per copy, plus $20 per hour
Stop Payment Request
$29 per request
Check Printing
Price varies depending on style
On-Us Non-Member Check Replacement
$5 per request
Free Business Checking
Charge per Check Cleared
$0.15 per item (100 free per month)
Free Business Checking
Charge per Deposited Check
$0.15 per item (100 free per month)
High-Yield Business Checking
Monthly Service
$10 per month if minimum daily balance not met
High-Yield Business Checking
Charge per Check Cleared
$0.10 per item (200 free per month)
High-Yield Business Checking
Charge per Deposited Check
$0.10 per item (200 free per month)
Other Service Fees
Account Reconciliation/Research
$20 per hour
Legal Action (garnishments/levies)
$35
Statement Copy
$2 per statement
Deposited Item Return
$15 per item
Deposit Corrections
$5 per correction
Collection Items
$10 per item (or at cost if greater)
Inactive Account (after 1 year and aggregate balance under $250)
$10 per month
ACH, Money Order and Cashier's Check Stop Payment Request
(A stop payment can be placed on Money Orders and Cashier's Checks only if lost or stolen)
$29
Wire Transfer Fee (outgoing)
$15 per transfer
Money Order
$2 each
Cashier's Checks
$3 per check
Membership Reopen
$10 per reopening
Western Union
$10 per wire (plus cost)
Check-Cashing
(non relationship account)
( A check-cashing fee applies if a member has savings accounts with aggregate balances below $100.)
5% of face value (min $5, max $25)
Online Bill Payer
(unlimited bill payments)
Free
Money HQ
(Advanced Online Bill Payer Services)
$4.95 per month*
*The $4.95 Money HQ monthly fee includes 5 standard transactions (Account-to-Account / Person-to-Person). A $1.50 transaction overage fee will be charged for each transaction exceeding the monthly cap. An $8.95 transaction fee will be charged for each next-day transaction.
Visa Gift Card Purchase (gift cards available at branches or online; $25 minimum)
$3.95 per card/$5.95 per card online
Loose/Rolled Coin Processing
8% of transaction over $200
Photocopy
$0.50 per page
Cash Deposited
$0.20 per $100
Cash Purchased
$0.20 per $100
Document Retrieval
$2 per page, plus $20 per hour research and retrieval
Coin Deposited
$0.20 per $100
Coin Purchased
$0.20 per $100 (20 rolls free, .25 per roll thereafter.)
Early Account Closure (within 90 days of opening)
$10
Telephone Electronic Payment
$9.95 per payment
(not applied to Visa payments)
ATM and Card Fees
ATM Card Replacement
$5 per replacement
Any Foreign Transaction Visa Credit or Debit Card
1% of transaction
Withdrawals at non Sound-owned ATMs
$1 per transaction (5 free per month)
Withdrawals at CO-OP affiliated ATMs or Point of Sale transactions, with a Sound Check Card, are exempt from surcharge.
Membership Requirement
Membership Share/Savings
one (1) per share of $25 required