Fees effective as of November 21, 2011.

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

Prime 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 Fee

$10 per month
if minimum balance not met

Money Market, Money Market Plus & High-Yield Money Market Check Over Limit

$10 per check over the 3 check per month limit

Holiday Club Early Withdrawal
(Before Nov. 10th)

$5

NSF

$29 per item

Checking Account Fees

Plus Checking Monthly Service

$7.50 per month

Advantage Checking Monthly Service

$5 per month
if minimum balance not met

High-Yield Checking Monthly Service

$10 per month
if minimum balance not met

Stop Payment Request

$29 per request

On-Us Non-Member Check Replacement

$5 per request

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

Check Printing

Price varies depending on style

Loan Fees

Consumer Loan Late Fee

5% of payment, minimum $29,
10-day grace period

Line of Credit Annual Fee

$25;
waived if $25 or more in total finance charges were paid in the previous 12 months

Visa Credit Card Cash Advance

4% of advanced amount
($10 minimum)

Visa Credit Card Late Payment

$25

Title Transfers

$27.50

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

$345
if paid off and closed within 24 months

Home Equity Reconveyance

$106

Home Equity Line of Credit Annual Fee

$45
waived if $45 or more in total finance charges were paid in the previous 12 months

Other Service Fees

Account Reconciliation / Research

$20 per hour

Telephone Electronic Payment

$9.95 per payment
(not applied to Visa payments)

Legal Action (garnishments/levies)

$35

Statement Copy

$2 per statement

Deposited Item Return

$15 per item

Collection Items

$15 per item or at cost if greater

Document Retrieval

$2 per page,
plus $20 per hour research and retrieval

Inactive Account
(after 1 year and aggregate balance under $250)

$10 per month

Loose/Rolled Coin Processing

8% of transaction over $200

Photocopy

$0.50 per page

Early Account Closure
(within 90 days of opening)

$10

ACH, Money Order and Cashier's Check Stop Payment Request

$29 per request
A stop payment can be placed on Money Orders and Cashier's Checks only if lost or stolen.

Wire Transfer (outgoing)

$15 per transfer

International Wire Transfer

$35 per transfer

Money Order

$2 each
Free for Visions and Plus Checking Accounts

Cashier's Checks (third party)

$3 per check
Free for Visions and Plus Checking Accounts

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

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

$3.95 per card at branches,
$5.95 per card online;
$25 minimum

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 Debit Card, are exempt from surcharge.

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