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Fee Schedule

Truth-In-Savings Fee Schedule Effective January 1, 2022

Collection Item $40.00/item
Non-Sufficient Funds (NSF) $35.00/occurrence
Overdraft Privilege
Fee is assessed on the amount of the negative Available Balance change after the item is posted.  If the negative Available Balance change is:
Up to $35.00/paid item
                 Less than/equal to $4.99 $2.00/paid item
                 Between $5.00 and $9.99 $10.00/paid item
                 Between $10.00 and $19.99 $20.00/paid item
                 Between $20.00 and $29.99 $30.00/paid item
                 Greater than/equal to $30.00 $35.00/paid item
Overdraft Protectioni $2.00/transfer
Returned Item
Items deposited, payments made, returned unpaid
Stop Payment Order $35.00/item


Basic Checking Monthly Service Fee $10.00/month
Low Balanceii $5.00/month
Regular Checking Monthly Service Fee $0.00/month


Christmas Club Early Withdrawal $10.00/withdrawal


Early Membership Closure
Memberships closed within 90 days of opening
Inactive Accountiii
60 months without activity
Invalid Addressiv $5.00/month
Membership Re-Open Feev $10.00


NSF (Bill Pay) $35.00/item
Optional Bill Pay Services Varies by service
Stop Payment Order (Bill Pay) $35.00/item


Daily ATM Limit
ATM or PIN-based point-of-sale cash back transaction
Daily VISA Debit Card Limit $2,500
ATM/Debit Card Replacement
    First order is free
International Service Assessment
Of converted transaction amount
    Inquiry $1.00
    Withdrawal $2.00

Note:  The owners of non-Credit Union ATMs may charge additional fees, and any such fee will be paid from your account.  These fees are generally called a surcharge.


Automated Clearing House (ACH) Origination
Loan payments made via telephone
Check Order
Approved Vendor(s):  Deluxe
Varies by style
Coin Counting Machine Usage 5% of total
    Non-Member 11% of total
Counter Checkvi $2.00
Document Copies  
    Account History $2.00/printout
    Bill Payer Payment $1.00/copy
    Check Copy $2.00/check
    Paid Debit Card Receipt $5.00/copy
    Statement Copy $2.00/printout
Guaranteed Funds Check (GFC) $5.00
    Non-Member GFC
    SRPFCU check collections only
Legal Process
Tax levies, garnishments, etc.
Mailed Statementvii $1.00/month
Research Services $25.00/hour
Safe Deposit Box Rentalviii
Assessed by size
$22.00 - $80.00/annually
    Replacement Key Varies
Shared Branching Withdrawal
Issued transactions only
Wire Transfer
Outgoing, domestic


The Credit Union's Daily Cut-Off Time

All deposits or transactions received after the time we close for business on a day when we are open or received after we open our night depository, or received on a day on which we are closed for business, will be treated as if received on the next business day that we are open unless differently disclosed at the depository.


The Credit Union's Daily Cut-Off Time for Uniform Commercial Code Funds Transfers

Any dollar amount may be transferred on Monday, Tuesday, Thursday, or Friday, until 4:00 p.m. or Wednesday until 11:00 a.m. on a business day. Any request for a transfer after this time will be processed on the next business day we are open.


The Credit Union's Business Day Disclosure

Our business days are Monday through Friday, excluding holidays. Our night depository is opened at 8:30 a.m. daily. Deposits made after 8:30 a.m. or on a day we are not open will be processed on the next business day unless differently disclosed at the depository.


i Fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals or by other electronic means for transfers from savings to checking.
ii End of day combined deposit balances do not reach $200 at any time during the month and no current active loans. Applies to members 21 and older, up to age 65. Fee assessed per checking account.
iii Zero balance checking and savings accounts will be closed after six months of no activity.
iv Charges begin when the US Post Office notifies us of an invalid/incorrect address and continues until a valid address is provided by you.
v Memberships voluntarily or involuntarily closed within the last twelve months.
vi Sold in four-check increments. Fee is assessed after initial supply has been issued.
vii Waived with eStatements which requires SRP Online enrollment.
viii Contents in safe deposit boxes are not insured against loss by SRP FCU or NCUA.


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