Personal 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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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.
FEDERALLY INSURED BY NCUA.