CONSUMER SERVICES FEE SCHEDULE Effective January 15, 2014 and subject to change. 

ATM, VISA CHECK/DEBIT CARD AND CREDIT CARD FEES SERVICE FEES 
Card replacement  $5 each  Account research or reconciliation  $25 hour/$15 min.  
CO-OP ATM withdrawals  FREE1  ACH transactions  
Out of Network Transactions -Non-CO-OP ATM -International ATM -Balance inquiry at a non-SDCCU� ATM  $1.50 each1 $3 each1 $0.50 per inquiry  -ACH origination EZPay loan payment (one time initiated request) -ACH origination EZPay loan payment (recurring transfers)  $10 per request $10 set-up fee  
-Point-of-Sale (POS) electronic transactions  FREE2  Cashier's checks  
myOwn Card� photo Visa�  $6.95 each  -$5,000 or more in combined savings balances -Less than $5,000 in combined savings balances  FREE (1 per day) $5 each  
Separate ATM and Visa check/debit card  $25 annual fee  Closing an account open less than 90 days  $5 per account  
Visa gift card  $3.95 per card  Collection item  $20 each  
International Service Assessment (international transactions)  2% of the amount of the transaction  Compliance with legal orders  $50 per request  
CHECKING ACCOUNT FEES FREE Checking with eStatements -Without eStatements  FREE $2 per month  Copies -Cancelled check -Internet Branch -In-branch or call center service  FREE5 2 FREE; then $3 each  
Classic checking accounts with any of the following:  FREE  (two free per month)  
-$1,000+ average daily balance  -Cashier�s check  $3 each  
-$2,500+ combined average daily savings balance  -Deposited check (deposit or loan payment)  $3 each  
-Direct deposit of $100+ per pay period  -Statement or account history  $5 each  
-None of the above  $5 per month  Exchange foreign check for currency  Fee varies  
High-yield checking  IRA transfer fee to another financial institution  $20 each  
-Average daily balance of $25,000 or more  FREE  
-Average daily balance below $25,000  $15 per month  Overdraft/Insufficient funds (NSF)  $27 each  
teenFirst� checking  FREE  (This fee applies to checks, ACH and other transactions that are paid and create a negative  
(minor account -ages 16 to 17)  balance or are returned unpaid as permitted by law.)  
Builder checking  $10 per month  Regulation D courtesy clearing6  $27 each  
ACH courtesy  $27 each  Request for Verification of Deposit (VOD)  $10 each  
Courtesy check clearing  $27 each  Returned item (deposit or loan payment)  $20 each  
Check/debit card overdraft service  $27 each  Savings account with less than $1  $5 per month  
Transfer Fee (Overdraft Protection transfer from savings,  SDCCUdirectTM outbound transfers  
checking, line of credit or Visa)  $5 per transfer  -Standard 3-day transfer  $3 each  
Printed checks  Varies by selection  -Expedited 1-day transfer  $10 each  
Temporary checks  $3 for 8  Stop payments  
-Bill Payer Plus (cancellation)  $20 each  
ONLINE BANKING FEES  -Cashier�s Check Refusal of Payment Order  $20 each  
Bill Payer Plus�  -Checking account (checks)  
-FREE Checking with eStatements accounts  FREE  -Internet Branch and TalkTone Teller�  $10 each  
-Three or more payments per calendar month 3 -All other Bill Payer Plus accounts FREE $4.95 per month  -In-branch -Incoming Electronic Fund  $20 each  
-Overnight check delivery  $14.95 each  Transfer debit (EFT) (includes ACH)  $20 each  
-Same day electronic payment  $14.95 each  
-Proof of payment (two free per month)  2 FREE; then $3 each  Traveler's checks  
Popmoney� Instant Popmoney  FREE3 $3 per transaction3  -Single or dual signature -$5,000 in combined savings balances or with a High-yield checking account  1% of purchase/$3 min. FREE  
LOAN AND VISA FEES  (single signature only)  
SDCCU Cash Rewards cash back program  FREE  
Wire transfers  
SDCCU Fly Miles Plus� Reward Program  FREE  -Incoming domestic  $5 each  
(Total annual purchases of $6,000 or more)  -Incoming foreign  $5 each  
All other SDCCU Fly Miles Plus accounts  $35 annual fee  -Outgoing domestic  $25 each  
-Outgoing foreign  $45 each  
SDCCU Summer Saver Auto Loan�  $95 each  
Vehicle Loan internal refinance/modification  $150 each  

Minimum Balance Required To Open A Deposit Account: 
SAFE DEPOSIT BOX FEES 
-FREE Checking with eStatements: $25 Annual fee -Classic checking: $25 2" x 5" box $35 each -High-yield checking: $5,000 3" x 5" box4 $40 each -Builder checking: $25 5" x 5" box $60 each -Primary savings: $1 3" x 10" box $60 each -Great Rate Savings: $5,000 5" x 10" box $75 each -Money market: $5,000 
7" x 10� box $85 each 10" x 10� box $115 each Lost key replacement $20 each (If both keys are lost, member pays for locksmith charges and replacement keys.) 
1Third party fees may apply. 2Merchants may charge an additional fee. 3Requires enrollment in Bill Payer Plus. 4FREE with $50,000 savings balance, where available. 5Limited history available. 6In 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 discretion, pay the item and charge a Reg D courtesy clearing fee to the associated checking account. 
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.