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Fee Schedule

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

Collection Item $40.00/item
Returned Item
Items deposited, payments made, returned unpaid
Stop Payment Order $35.00/item


Non-Sufficient Funds (NSF)¹ $35.00/presentment
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 Protection² $2.00/transfer


Basic Checking Monthly Service Fee $10.00/month
Low Balance3 $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 Account4
60 months without activity
Invalid Address5 $5.00/month
Membership Re-Open Fee6 $10.00


NSF (Bill Pay or ACH)¹ $35.00/presentment
Optional eBanking Services Varies by service
Stop Payment Order $35.00/item


Daily ATM Limit
ATM or PIN-based point-of-sale cash back transaction
Daily VISA® Debit Card Limit $2,500
Visa® 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 Check7 $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 Statement8 $1.00/month
Research Services $25.00/hour
Safe Deposit Box Rental9
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.



1 Any item or transaction can be presented for payment multiple times, which is beyond the control of the Credit Union. Each presentment will be charged a separate NSF fee even though it may be for a repeat presentment.
2 Fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals or by other electronic means for transfers from savings to checking.
3 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.
4 Zero balance checking and savings accounts will be closed after six months of no activity.
5 Charges begin when the US Post Office notifies us of an invalid/incorrect address and continues until a valid address is provided by you.
6 Memberships voluntarily or involuntarily closed within the last twelve months.
7 Sold in four-check increments. Fee is assessed after initial supply has been issued.
8 Waived with eStatements which requires SRP Online enrollment.
Contents in safe deposit boxes are not insured against loss by SRP FCU or NCUA.
Federally insured by NCUA


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