CONSUMER SERVICES FEE SCHEDULE 
Effective May 1, 2013 and subject to change. 

ATM, VISA CHECK CARD AND CREDIT CARD FEES 
Card replacement 

CO-OP ATM withdrawals 

Out of Network Transactions 
- Non-CO-OP ATM 
- International ATM 
- Balance inquiry at a non-SDCCU® ATM 
- Point-of-Sale (POS) electronic transactions 

myOwn Card® photo Visa® 

Separate ATM and Visa debit card 

Visa gift card 

Visa Travel Money debit card 

International Service Assessment  
(international transactions) 

CHECKING ACCOUNT FEES 
FREE Checking with eStatements 

- Without eStatements 

$5 each 
FREE1 

$1.50 each1 
$3 each1 
$0.50 per inquiry 
FREE2 

$6.95 each 

$25 annual fee 

$3.95 per card 

$5 per card 

2% of the amount of 
the transaction 

FREE 
$2 per month 

Classic checking accounts with any of the following: 

FREE 

- $1,000+ average daily balance 
- $2,500+ combined average daily savings balance 
- Direct deposit of $100+ per pay period 
- None of the above 

High-yield checking 

- Average daily balance of $25,000 or more 
- Average daily balance below $25,000 

teenFirst® checking 
(minor account - ages 16 to 17) 

Builder checking 

Courtesy clearing 

Check card overdraft service 

Overdraft Protection transfer from savings, 
checking, line of credit or Visa 

Printed checks 

Temporary checks 

ONLINE BANKING FEES 
Bill Payer Plus™ 

- FREE Checking with eStatements accounts 
  enrolled in Bill Payer Plus 
- All other Bill Payer Plus accounts3  
- Overnight check delivery 
- Same day electronic payment 
- Proof of payment (two free per month) 

LOAN AND VISA FEES 
SDCCU Cash Rewards cash back program 

SDCCU Fly Miles Plus™ Reward Program 
(Total annual purchases of $6,000 or more) 

$5 per month 

FREE 
$15 per month 

FREE 

$10 per month 

$27 each 

$27 each 

$5 per transfer 

Varies by selection 

$3 for 8 

FREE 
$4.95 per month 
$14.95 each 
$14.95 each 
2 FREE; then $3 each 

FREE 

FREE 

All other SDCCU Fly Miles Plus accounts 

$35 annual fee 

SDCCU Summer Saver Auto Loan™ 

Vehicle Loan internal refinance/modification 

SAFE DEPOSIT BOX FEES 
Annual fee 
2" x 5" box 
3" x 5" box4 
5" x 5" box 
3" x 10" box 
5" x 10" box 
7" x 10” box 
10" x 10” box 

$95 each 

$150 each 

$35 each 
$40 each 
$60 each 
$60 each 
$75 each 
$85 each 
$115 each 

Lost key replacement 
(If both keys are lost, member pays for locksmith charges and replacement keys.)

$20 each 

SERVICE FEES 
Account research or reconciliation 

ACH transactions 

- ACH origination EZPay loan payment 
   (one time initiated request) 
- ACH origination EZPay loan payment 
   (recurring transfers) 

Cashier's checks 

$25 hour/$15 min. 

$10 per request 

$10 set-up fee 

- $5,000 or more in combined savings balances 
- Less than $5,000 in combined savings balances 

FREE (1 per day) 
$5 each 

Closing an account open less than 90 days 

$5 per account 

Collection item 

Compliance with legal orders 

Copies 

-Cancelled check 

- Internet Branch 
- In-branch or call center service 
  (two free per month) 

- Cashier’s check 
- Deposited check (deposit or loan payment) 
- Statement or account history 

Exchange foreign check for currency 

IRA transfer fee to another financial institution 

Overdraft/Insufficient funds (NSF) 
(This fee applies to checks, ACH and other 
transactions that are paid and create a negative 
balance or are returned unpaid as permitted by law.) 

Regulation D courtesy clearing 

Request for Verification of Deposit (VOD) 

Returned item (deposit or loan payment) 

Savings account with less than $1 
SDCCUdirectTM outbound transfers 

- Standard 3-day transfer 
- Expedited 1-day transfer 

Stop payments 

- Bill Payer Plus (cancellation) 
- Cashier’s Check Refusal of Payment Order 
- Checking account (checks) 

- Internet Branch and TalkTone Teller® 
- In-branch 

- Incoming Electronic Fund 
   Transfer debit (EFT) (includes ACH) 

Traveler's checks 

- Single or dual signature 
- $5,000 in combined savings balances or with 
   a High-yield checking account 

(single signature only) 

Wire transfers 

- Incoming domestic 
- Incoming foreign 
- Outgoing domestic 
- Outgoing foreign 

$20 each 

$50 per request 

FREE5 
2 FREE; then $3 each 

$3 each 
$3 each 
$5 each 

Fee varies 

$20 each 

$27 each 

$27 each 

$10 each 

$20 each 

$5 per month 

$3 each 
$10 each 

$20 each 
$20 each 

$10 each 
$20 each 

$20 each 

1% of purchase/$3 min. 

FREE 

FREE 
FREE 
$25 each 
$45 each 

1Third party fees may apply. 2Merchants may charge an additional fee. 3FREE with three (3) or more payments due within the calendar month. 4FREE with $50,000 savings 
balance, where available. 5Limited history available. 
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. 

REV. 04.24.13