Fees effective as of January 1, 2009.

Rates are subject to change. Please check with your local branch, or call if we can answer any questions.

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

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