CONSUMER SERVICES FEE SCHEDULE 
     Effective April 1, 2016 and subject to change. 
                                                                                   
                                            
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     ATM, VISA  DEBIT CARD AND CREDIT CARD FEES  SERVICE FEES 
     Card replacement           $5 each     Account research or reconciliation  $25 hour/$15 min. 
     CO-OP ATM withdrawals & inquiries  $0 each  ACH transactions 
                                            - ACH origination EZPay loan payment  $10 per request 
     Out of Network Transactions (third party fees may apply) 
                                              (one time initiated request) 
     - Non-CO-OP ATM withdrawals  $1.50 each 
     - International ATM withdrawals  $3 each  Cashier's checks: 
     - Non-CO-OP ATM Inquiries  $0.50 per inquiry  - $5,000 or more in combined savings balances  $0 each (1 per day) 
     - Point-of-Sale (POS) electronic transactions  $0 each  - Less than $5,000 in combined savings balances  $5 each 
     Separate ATM and Visa debit card  $25 annual fee  Closing an account open less than 90 days  $5 per account 
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     SDCCU  Visa gift card      $3.95 per card  Collection item        $20 each 
     International Service Assessment   2% of the amount of  Compliance with legal orders  $50 per request 
     (international transactions)  the transaction 
                                            Copies 
     CHECKING ACCOUNT FEES                  - Cancelled check: 
                                                                            
     FREE Checking with eStatements  $0 per month  - Internet Branch (limited history available)  $0 each
     - Without eStatements      $2 per month  - In-branch or call center service  $3 each 
                                               Fee waived for the first two per month 
     Classic checking           $5 per month  - Cashier�s check        $3 each 
     Monthly fee waived with one of the following:  - Deposited check (deposit or loan payment)  $3 each 
     - $1,000+ average daily balance 
                                             - Statement or account history  $5 each 
     - $2,500+ combined average daily savings balance  
     - Direct deposit of $100+ per pay period  Exchange foreign check for currency  Fee varies 
                                            IRA transfer fee to another financial institution  $20 each 
     High-yield checking        $15 per month 
     Monthly fee waived with an average daily balance of $25,000 or more  Request for Verification of Deposit (VOD)  $10 each 
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     teenFirst  checking (minor account - ages 16 to 17)  $0 per month  Returned item (deposit or loan payment)  $20 each 
     Builder checking           $10 per month  Primary savings account with less than $1  $5 per month 
                                                   TM
     Printed checks             Varies by selection  SDCCUdirect  outbound transfers 
                                            - Standard 3-day transfer  $3 each 
     Temporary checks           $3 for 8    - Expedited 1-day transfer  $10 each 
     LOAN AND VISA FEES                     Stop payments 
     SDCCU Cash Rewards cash back program  $0 annual fee  - Bill Payer Plus (cancellation)  $20 each 
     SDCCU Fly Miles Plus� Reward Program  $35 annual fee  - Cashier�s Check Refusal of Payment Order  $20 each 
     Annual fee waived with total annual purchases of $6,000 or more  - Checking account (checks) 
                                              - Internet Branch        $10 each 
     Vehicle loan internal refinance/modification  $150 each 
                                              - In-branch              $20 each 
     ONLINE BANKING FEES                    - Incoming Electronic Fund 
     Bill Payer Plus�           $4.95 per month     Transfer debit (EFT) (includes ACH)  $20 each 
     Monthly fee waived with one of the following: 
                                            Wire transfers 
     - FREE Checking with eStatements account  
                                            - Incoming domestic        $5 each 
     - Three or more payments per calendar month 
                                            - Incoming foreign         $5 each 
     Additional Bill Payer Plus Services: 
                                            - Outgoing domestic        $25 each 
     - Overnight check delivery  $14.95 each 
                                            - Outgoing foreign         $45 each 
     - Same day electronic payment  $14.95 each 
                                            
     - Proof of payment         $3 each 
        Fee waived for the first two per month 
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     - Popmoney                 $0 each       Minimum Balance Required To Open A Deposit Account: 
       - Popmoney Instant Payments  $3 per transaction  - FREE Checking with eStatements:  $25 
                                              - Classic checking:       $25 
     OVERDRAFT FEES 
                                              - High-yield checking:    $5,000 
     Courtesy check clearing (paid ACH, check)  $27 each 
                                              - Builder checking:       $25 
     Debit card overdraft service  $27 each   - Primary savings:        $1 
                                              - Great Rate Savings:     $5,000 
     Overdrawn (returned unpaid ACH, check)  $27 each 
                                              - Money market:           $5,000 
                   1
     Regulation D courtesy clearing   $27 each 
     Transfer Fee               $5 per transfer 
     (Overdraft Protection transfer from savings, checking, line of credit or Visa) 
     SAFE DEPOSIT BOX FEES 
     2" x 5" box                $35 annual fee 
     3" x 5" box                $40 annual fee 
     3� x 5� box is $0 annually with $50,000 or more savings balance, where available 
     5" x 5" box                $60 annual fee 
     3" x 10" box               $60 annual fee 
     5" x 10" box               $75 annual fee 
     7" x 10� box               $85 annual fee 
     10" x 10� box              $115 annual fee 
     Lost key replacement       $20 annual fee 
     (If both keys are lost, member pays for locksmith charges and replacement keys.)
      
     These fees are subject to change. To find out what may have changed, call us at (877) 732-2848, visit our website at sdccu.com, send us a secure message via Internet Branch online banking, engage in Live Chat or 
     write to us at: San Diego County Credit Union, Member Services Department, PO Box 261209, San Diego, CA 92196-1209. 
    
     1 In compliance with Federal Banking Regulation D, telephone and automated savings withdrawals are limited. During any calendar month, you may not make more than six (6) withdrawals or transfers to another SDCCU 
     account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction. Automated methods include Overdraft Protection transfers to checking accounts and automatic 
     withdrawals made through the Automated Clearing House (ACH) or preauthorized draft withdrawals (e.g., bill payment, insurance premiums). If you exceed this transaction limit, we may, at our di scretion, pay the item 
     and charge a Reg D courtesy clearing fee to the associated checking account.