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Personal Account Fees

Checking Account Fees

Program

Fee Amount

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

Program

Interest Checking (avoid fee if age 55 or with $500 monthly direct deposit & estatements)

Fee Amount

$7 per month

Program

Cash Back Checking (avoid fee if age 55 or with $500 monthly direct deposit & estatements)

Fee Amount

$7 per month

Program

Sound Debit Account (avoid fee with $500 direct deposit & estatements)

Fee Amount

$3 per month

Program

Check Copies (2 copies free per statement)

Fee Amount

$2 per copy, plus $20 per hour retrieval

Program

Check Printing

Fee Amount

Price varies depending on style

Program

Courtesy Pay (1 NSF or Courtesy Pay refund per calendar year upon request)

Fee Amount

$29 per presentment > $5; max 5 fees per day

Program

Non-Member Check Cashing (above $100)

Fee Amount

$5 per presentment

Program

NSF (1 NSF or Courtesy Pay refund per calendar year upon request)

Fee Amount

$29 per presentment (no max)

Program

On-Us Non-Member Check Replacement

Fee Amount

$5 per item

Program

Overdraft Transfer

Fee Amount

$5 each day a transfer occurs

Program

Stop Payment

Fee Amount

$32 per request

ATM and Card Fees

Program

Fee Amount

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

Program

Card Replacement

Fee Amount

$5 per replacement ($25 per rush order)

Program

Non-Network Card Withdrawal at Sound ATM

Fee Amount

$3.50 per transaction

Loan Fees

Program

Fee Amount

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

Program

Consumer Loan Late Payment

Fee Amount

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

Program

Visa Credit Card Late Payment

Fee Amount

$25

Program

Visa Credit Card Cash Advance (up to 25% of limit)

Fee Amount

4% of advanced amount ($10 minimum)

Program

Title Transfer

Fee Amount

$42

Program

Title Release

Fee Amount

$35.50

Program

Title Perfection Refinance

Fee Amount

$35.50

Program

Private Party Float Quote

Fee Amount

$75

Program

Expedited Pay by Phone Loan Payments

Fee Amount

$9.95 per payment

Program

Card Replacement

Fee Amount

$5 per replacement ($25 per rush order)

Program

Auto Insurance Fee for Lapsed Policies

Fee Amount

$20

Program

Skip-A-Pay (program available for eligible consumer loans)

Fee Amount

$32 each

Program

Home Equity Early Pay-off

Fee Amount

$425 (if paid off and closed within 24 months)

Program

Home Equity Reconveyance

Fee Amount

$265.50

Program

Home Equity Recording

Fee Amount

$218.50

Program

Subordination

Fee Amount

$245

Program

Uniform Commercial Code Search and Filing

Fee Amount

At Cost

Other Service Fees

Program

Fee Amount

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

Program

Account Reconciliation/Research

Fee Amount

$20 per hour

Program

Cashier’s Check (third party)

3 free per month for Sound Debit Accounts

Fee Amount

$3 each

Program

Coin Processing (loose/rolled)

Fee Amount

8% of transaction over $200, per day

Program

Deposit Return Fee (returned check of depositor)

Fee Amount

$15 per presentment

Program

Third Party Pass-Thru Fee on Return Deposits

Fee Amount

At cost

Program

Document Retrieval (includes check copies)

Fee Amount

$2 per page, plus $20 per hour

Program

Early Account Closure (within 90 days of opening)

Fee Amount

$10

Program

Foreign Check Processing (minimum check amount $100)

Fee Amount

$20 per presentment or at cost if greater

Program

High-Yield Money Market Check (over limit of 3 per month)

Fee Amount

$10 per check

Program

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

Fee Amount

$10 per month

Program

Legal Action (garnishments/levies)

Fee Amount

$50

Program

Membership Reopen

Fee Amount

$10 per reopening

Program

Money Order

3 free per month for Sound Debit Accounts

Fee Amount

$2 each

Program

NSF (1 NSF or Courtesy Pay refund per calendar year upon request)

Fee Amount

$29 per presentment

Program

Notary (non-member)

Fee Amount

$10 per act

Program

Online Banking & Bill Pay

Fee Amount

Free

Program

Overnight/Express Shipping

Fee Amount

$25

Program

Photocopy

Fee Amount

$0.50 per page

Program

Returned Item (reason other than NSF)

Fee Amount

$32 per presentment

Program

Statement Copy

Fee Amount

$2 per statement

Program

Stop Payment (Check, ACH, Card, Money Order and Cashier’s Check) a stop payment can be placed on money orders and cashier’s checks only if lost or stolen

Fee Amount

$32 per presentment

Program

Visa Gift Card Purchase

Fee Amount

$3.95 per card at branches, $5.95 per card online

Program

Wire Transfer – Domestic (outgoing)

Fee Amount

$25 per transfer

Program

Wire Transfer – International (outgoing)

Fee Amount

$50 per transfer

Program

Wrong Address

Fee Amount

$10 per quarter

Safe Deposit Box Annual Rental Fees

Program

Fee Amount

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

Program

3 X 5 X 21

Fee Amount

$30

Program

5 X 5 X 21

Fee Amount

$40

Program

3 X 10 X 21

Fee Amount

$50

Program

5 X 10 X 21

Fee Amount

$60

Program

10 X 10 X 21

Fee Amount

$100

Program

Box Drilling

Fee Amount

$250

Program

Replacement Key

Fee Amount

$20

Membership Requirement

Program

Requirement

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

Program

Membership Share/Savings

Requirement

Keep a Share Savings (e.g. Prime, Minor) account open and in good standing. No minimum balance required.

Disclosures

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.