IBM Southeast Employees’ Credit Union (IBMSECU)
MEMBERSHIP FEE SCHEDULE
October 1, 2015 

Bill Pay
Expedited Overnight Payment Fee (EFT / Check) ........................................ $9.95 / $18.95
Non-Sufficient Funds (NSF) / Uncollected Funds Fee ........................................ $32.00
Stop Payment Fee (Check Payments Only)  ........................................................... $30.00
Certain Saver Transfer / Withdrawal Fee ........................................................... $5.00
Check Copy Fee ................................................................................................... $5.00
Check Printing Fee .............................................................Determined by check style
Checking Plus Per Check Fee (3 free per month) ..................................................... $2.00
CO-OP Shared Branch Transaction Fee ............................................................ $1.00
Courtesy Clearing Fee ...................................................................................... $22.00
Debit Card
Card Replacement Fee ....................................................................................... $10.00
Non-Credit Union ATM Transaction Fee ................................................................ $2.00
Visa International Service Assessment (ISA) Fee .................. 2% of U.S. dollar amount
Deposited Check Return Fee ............................................................................ $10.00
Deposited Check Returned From Self Fee ...................................................... $32.00
Dormant Account Fee* (Per each inactive account) ...................................................... $5.00
eDeposits
Administrative Fee ............................................................................................... $10.00
Foreign Check Collection Fee (Additional vendor fees may apply) ................................ $15.00
Grand Checking Minimum Balance Violation Fee* .........................$9.00 per month
Health Savings Account (HSA)
Closure / Transfer Fee ......................................................................................... $25.00
Overdraft / Overdrawn Fee ...................................................................... $7.00 / $32.00
Per Check Fee   (1st three (3) checks cleared per month at no charge) .................................... $2.00
Item Deposited / Special Handling Fee (Collection / Third Party) .............................. $15.00
Legal Research Fee (1/2 hour minimum) ...............................................$100.00 per hour
Loan Payment by Phone Fee (Expedited Payment) ................................................. $10.00
Medallion Guarantee Fee (Stock Transfers) ............................................................. $10.00
Money Market Excess Transaction Fee* .......................................$5.00 per violation
Money Market Minimum Balance Violation Fee* .............................$9.00 per month
Money Order Fee ($999.99 maximum) ........................................................................ $4.00
myDefense Checking Monthly Service Fee .....................................$1.90 per month
Notarization Fee (Florida / Georgia) .......................................................... $10.00 / $2.00
Official Check Fee ............................................................................................... $5.00
Overdraft Privilege (ODP) Transaction Fee ....................................... $32.00 per item
Overdraft Protection Transfer Fee ....................................................... $7.00 per item
Overnight Delivery Fee (Weekday/Saturday & Holiday) ............................................. $20.00 / $40.00
Paper Statement Monthly Service Fee .............................................$1.00 per month
Payment by Telephone Fee (ACH Origination / Expedited Payment) ....................... $10.00
Research / Balancing Fee  (1/2 hour minimum) ..........................................$20.00 per hour
Returned Item Fee (NSF Check or ACH) ................................................................... $32.00
Returned Mail Fee ................................................................................................ $5.00
Share Account Monthly Service Fee* ...............................................$5.00 per month
Signature Endorsement Guarantee Fee ............................................................ $5.00
Statement Copy Fee ............................................................................................ $6.00
Stop Payment Fee (ACH or Check) ......................................................................... $30.00
Temporary Check Fee (Existing Account) .........................................$3.00 for 10 checks
Visa Gift Card Fee** ($10.00 - $1,000.00) ............................................................... $3.95
Wire Funds Transfer
Domestic: Incoming Fee / Outgoing Fee ............................................... $15.00 / $25.00
International: Incoming Fee / Outgoing Fee ......................................... No Fee / $60.00

* Please refer to our Membership Disclosure for details on terms, conditions and minimum balance requirements.
** Special order items require advance notice. Some fees may be waived or reduced with REWARDS program.   
Please  refer  to  a  current  loan  disclosure  and  credit  card  agreement,  for  non- real  estate  consumer  loan and  
credit  card  fees,  terms,  and  conditions.   For more information, please visit our website at ibmsecu.org, or contact 
the Credit Union at 800.873.5100, 561.982.4700 or serviceplus@ibmsecu.org.

Federally Insured by NCUA  

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