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Fee Schedule

Truth-In-Savings Fee Schedule Effective September 1, 2016

ACCOUNT SERVICES AMOUNT
Check Cashing
If applicable
$3.00/item
Collection Item $40.00/item
Non-Sufficient Funds (NSF) $35.00/item
Overdraft Privilege
Fee is assessed on the amount of the negative balance change after the item is posted.  If the negative account balance 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
$10.00/item
Stop Payment Order $35.00/item

 

CHECKING ACCOUNTS AMOUNT
Basic Checking Account $10.00/month
Fresh Start Checking Account $10.00/month
Low Balanceii $5.00/month

 

SHARE SAVINGS ACCOUNTS AMOUNT
Excessive Share Transaction
In excess of three per month
$3.00/withdrawal

 

CLUB ACCOUNTS AMOUNT
Christmas Club Early Withdrawal $10.00/withdrawal

 

ATM/DEBIT/GIFT CARDS AMOUNT
Instant Issue ATM/Debit Card $25.00
VISA Gift Card $3.00/card
    Inactivity feeiii $2.95/month
    Replacement card
    Closed, lost, stolen
$5.00/card

 

ACCOUNT MAINTENANCE AMOUNT
Account Re-Openiv $10.00
Inactive Accountv
60 months without activity
$50.00/membership
Invalid Addressvi $5.00/month

 

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

 

ELECTRONIC FUNDS TRANSFER AMOUNT
Daily ATM Limit
ATM or PIN-based point-of-sale cash back transaction
$400
Daily VISA Debit Card Limit $2,500
International Service Assessment
Of converted transaction amount
1%
Non-SRP FCU ATM Use  
    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.

 

MEMBER ASSISTED SERVICES AMOUNT
Check Order
Approved Vendor(s):  Deluxe
Varies by style
Coin Counting Machine Usage 3% of total
    Non-Member 9% of total
Counter Checkvii $2.00
Document Copies  
    Account History $2.00/printout
    Bill Payer Payment $1.00/copy
    Check Copy $1.00/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
$10.00
Legal Process
Tax levies, garnishments, etc.
$50.00/hour
Mailed Statementviii $1.00/month
Research Services $15.00/hour
Safe Deposit Box Rentalix
Assessed by size
$22.00 - $80.00/annually
    Replacement Key Varies
Wire Transfer
Outgoing, domestic
$20.00/request

 

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.

 

♦  No charge for Golden Account members

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 Beginning after twelve consecutive months of inactivity; reoccurring each month until transaction activity resumes or the available balance is zero.
iv Accounts voluntarily or involuntarily closed within the last twelve months.
v Zero balance checking and savings accounts will be closed after six months of no activity.
vi Charges begin when the US Post Office notifies us of an invalid/incorrect address and continues until a valid address is provided by you.
vii Sold in four-check increments. Fee is assessed after initial supply has been issued.
viii Waived with eStatements which requires SRP Online enrollment.
ix Contents in safe deposit boxes are not insured against loss by SRP FCU or NCUA.

 

Print Fee Schedule

Fee Schedule Effective March 1, 2017

Fee Schedule Effective March 1, 2017