Truth-In-Savings Fee Schedule Effective August 1, 2019
|Non-Sufficient Funds (NSF)||$35.00/occurrence|
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|
Items deposited, payments made, returned unpaid
|Stop Payment Order||$35.00/item|
|Basic Checking Monthly Service Fee||$10.00/month|
|Regular Checking Monthly Service Fee||$0.00/month|
|SHARE SAVINGS ACCOUNTS||AMOUNT|
|Excessive Share Transaction
In excess of three per month
|Christmas Club Early Withdrawal||$10.00/withdrawal|
|Early Membership Closure
Memberships closed within 90 days of opening
60 months without activity
|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
|Non-SRP FCU ATM Use|
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|
|Automated Clearing House (ACH) Origination
Loan payments made via telephone
Approved Vendor(s): Deluxe
|Varies by style|
|Coin Counting Machine Usage||5% of total|
|Non-Member||11% of total|
|Bill Payer Payment||$1.00/copy|
|Paid Debit Card Receipt||$5.00/copy|
|Guaranteed Funds Check (GFC)||$5.00|
| Non-Member GFC
SRPFCU check collections only
Tax levies, garnishments, etc.
|Safe Deposit Box Rentalviii
Assessed by size
|$22.00 - $80.00/annually|
|Shared Branching Withdrawal
Issued transactions only
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.