Fees effective as of March 1, 2008.

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

Business Savings Monthly Service Fee

$5 per month if minimum balance not met

Money Market Plus and High-Yield Money Market Below Minimum Balance Fee

$10.00 per month if minimum balance not met

Money Market and Money Market Plus Check Over Limit Fee

$10.00 per check over the 3 checks per month limit

Holiday Club Early Withdrawal Fee
(Before Nov. 10th)

$5.00

Checking Account Fees

Advantage Checking Below Minimum balance Fee

$5.00 per month if minimum balance not met

Plus Checking Monthly Service Fee

$7.50 per month

High-Yield Checking Below Minimum Balance Fee

$10.00 per month if mimimum balance not met

Transfer Fee

$5.00 per transfer

NSF Fee

$25.00 per item

Courtesy Pay Fee

$25.00 per item

Check Copies retrieval fee
(2 copies free per statement)

$2.00 per copy, plus $20 per hour retrieval

Stop Payment Request

$25.00 per request

Check Printing Fee

Price varies depending on style

Check Replacement Fee On-Us Non-Member

$5.00 per request

Other Service Fees

Account Reconciliation / Research

$20 per hour

Legal Action (garnishments)

$25.00

Legal Action (levies)

$25.00

Statement Copy Fee

$2.00 per statement

Deposited Item Return Fee

$10.00 per item

Inactive Account Fee
(after 1 year and balance under $100.00)

$5.00 per month

Auto Insurance Fee For Lapsed Policies

$20.00

Wire Transfer Fee (incoming)

$10.00 per transfer

Wire Transfer Fee (outgoing)

$15.00 per transfer

Collection Items

$15 per item or at cost if greater

Money Order
(Plus Checking accounts receive 4 free)

$2.00 each

ACH Stop Payment Request.

$25.00 per request

Money Order and Cashiers Checks Stop Payment Request

$25 per item

Travelers Checks (for two)

$1.00 per $100 (1%)

Cashier's Checks (third party)
(Plus Checking accounts receive 2 free)

$3.00 per check

Member Reopen Fee

$10.00 per reopening

Western Union Fee

$10.00 per wire (plus cost)

Check-Cashing
(relationship account)

Free

Check-Cashing
(non relationship account)

5% of face value. A check cashing fee applies if a member has savings accounts with aggregate balances below $100 / min. fee $5 max $25.

Online Bill Payer
(unlimited bill payments)

Free

Skip-A-Pay Fee
(Program available for eligible consumer loans)

$29.00

Document Retrieval

$2.00 per page, plus $20 per hour research and retrieval

Photocopy

$0.50 per page

Early Account Closure (within 90 days of opening)

$10.00

Auto Loan Insurance Fee For Lapsed Policies

$20.00

Home Equity Early Pay-off Fee

$245.00 if paid off and closed within 36 mos.

Consumer Loan Late Fee

5%, minimum $25.00, 10-day grace period

ATM Fees

ATM Card Replacement Fee

$5.00 per replacement

Withdrawals at non Sound-owned ATMs (five free per month)*
*Withdrawals at CO-OP affiliated ATMs or Point of Sale transactions, with a Sound Check Card, are exempt from surcharge.

$1.00 per transaction

Safe Deposit Box Annual Rental Fees

3 X 5

$20.00

5 X 5

$30.00

3 X 10

$35.00

5 X 10

$50.00

10 X 10

$100.00

Drilling Box

At Cost

Share Fees

Membership Share/Savings

one (1) par share of $25 required