Program
Fee Amount
Savings Account Fees
Savings Low Balance
(under 18 years of age exluded)
$5 per month if minimum balance not met
Money Market Plus and High-Yield Money Market Below Minimum Balance
$10 per month if minimum balance not met
Money Market and Money Market Plus Check Over Limit
$10 per check over the 3 checks per month limit
Holiday Club Early Withdrawal
(Before Nov. 10th)
$5
Checking Account Fees
Advantage Checking Below Minimum Balance
$5 per month if minimum balance not met
Plus Checking Monthly Service
$7.50 per month
High-Yield Checking Below Minimum Balance
$10 per month if mimimum balance not met
Transfer
$5 per transfer
NSF
$29 per item
Courtesy Pay
$29 per item
Check Copies
(2 copies free per statement)
$2 per copy, plus $20 per hour retrieval
Stop Payment Request
$29 per request
Check Printing
Price varies depending on style
On-Us Non-Member Check Replacement
$5 per request
Loan Fees
Minimum Payment (Line of Credit Only)
3.5% of outstanding balance, minimum $50
Consumer Loan Late
5% of payment, minimum $29, 10-day grace period
Overdraft Protection
$50 increments up to LOC available balance
Line of Credit Advance
$50 increments up to LOC available balance
Line of Credit Annual Fee
$25; waived if $25 or more in total finance charges were paid in the previous 12 months
Title Transfers
$15.50
Title Release
$10
Card Replacement
$5 per replacement
Auto Insurance Fee for Lapsed Policies
$20
Skip-A-Pay (program available for eligible consumer loans)
$29 each
Home Equity Early Pay-off
$295 if paid off and closed within 36 months
Other Service Fees
Account Reconciliation / Research
$20 per hour
Legal Action (garnishments/levies)
$35
Telephone Electronic Payment
$9.95 per payment
Statement Copy
$2 per statement
Deposited Item Return
$15 per item
Inactive Account
(after 1 year and balance under $100)
$10 per month
Wire Transfer (incoming)
$10 per transfer
Wire Transfer (outgoing)
$15 per transfer
Collection Items
$15 per item or at cost if greater
Money Order
(Plus Checking accounts receive 4 free)
$2 each
ACH, Money Order and Cashier's Checks Stop Payment Request
$29 per item
Travelers Checks (for two)
$1 per $100 (1%)
Cashier's Checks (third party)
(Plus Checking accounts receive 2 free)
$3 per check
Membership Reopen
$10 per reopening
Western Union
$10 per wire (plus cost)
Check-Cashing
(non-relationship account)
5% of face value (min $5, max $25). A check-cashing fee applies if a member has savings accounts with aggregate balances below $100
Online Bill Payer
(unlimited bill payments)
Free
Document Retrieval
$2 per page, plus $20 per hour research and retrieval
Photocopy
$0.50 per page
Early Account Closure (within 90 days of opening)
$10
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 at branches, $5.95 per card online
ATM and Card Fees
ATM Card Replacement
$5 per replacement
Any Foreign Transaction Visa Credit or Debit Card
up to 2% of transaction
Withdrawals at non Sound-owned ATMs (five free per month)*
*Withdrawals at CO-OP affiliated ATMs or Point of Sale transactions, with a Sound Debit Card, are exempt from surcharge.
$1 per transaction
Safe Deposit Box Annual Rental Fees
3 X 5
$30
5 X 5
$40
3 X 10
$50
5 X 10
$60
10 X 10
$100
Drilling Box
At Cost