CONSUMER SERVICES FEE SCHEDULE
San Diego County Credit Union
Effective October 1, 2014 and subject to change.
sdccu.com®
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
FREE
ACH transactions
Out of Network Transactions
- ACH origination EZPay loan payment
$10 per request
- Non-CO-OP ATM withdrawals
$1.50 each
(one time initiated request)
- International ATM withdrawals
$3 each
- ACH origination EZPay loan payment
$10 set-up fee
- Non-CO-OP ATM Inquiries
$0.50 per inquiry
(recurring transfers)
- Point-of-Sale (POS) electronic transactions
FREE
Cashier's checks
myOwn Card photo Visa
$6.95 each
- $5,000 or more in combined savings balances
FREE (1 per day)
- 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
Visa gift card
$3.95 per card
Collection item
$20 each
International Service Assessment
2% of the amount of
(international transactions)
the transaction
Compliance with legal orders
$50 per request
CHECKING ACCOUNT FEES
Copies
-Cancelled check
FREE Checking with eStatements
FREE
- Internet Branch
FREE
- Without eStatements
$2 per month
- In-branch or call center service
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
Request for Verification of Deposit (VOD)
$10 each
teenFirst® checking (minor account - ages 16 to 17)
FREE
Returned item (deposit or loan payment)
$20 each
Builder checking
$10 per month
Savings account with less than $1
$5 per month
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
FREE
- Bill Payer Plus (cancellation)
$20 each
SDCCU Fly Miles Plus TM Reward Program
FREE
- Cashier's Check Refusal of Payment Order
$20 each
(Total annual purchases of $6,000 or more)
- Checking account (checks)
- Internet Branch and TalkTone Teller
$10 each
All other SDCCU Fly Miles Plus accounts
$35 annual fee
- In-branch
$20 each
Vehicle loan internal refinance/modification
$150 each
- Incoming Electronic Fund
Transfer debit (EFT) (includes ACH)
$20 each
ONLINE BANKING FEES
Bill Payer Plus TM
Traveler's checks
- FREE Checking with eStatements accounts
FREE
- Single or dual signature
1% of purchase/$3 min.
- Three or more payments per calendar month
FREE
- $5,000 in combined savings balances or with
- All other Bill Payer Plus accounts2
$4.95 per month
a High-yield checking account
FREE
- Overnight check delivery
$14.95 each
(single signature only)
- Same day electronic payment
$14.95 each
Wire transfers
- Proof of payment (two free per month)
2 FREE; then $3 each
- Incoming domestic
$5 each
Popmoney
FREE²
- Incoming foreign
$5 each
Instant Popmoney
$3 per transaction2
- Outgoing domestic
$25 each
OVERDRAFT FEES
- Outgoing foreign
$45 each
Courtesy check clearing (paid ACH, check)
$27 each
Debit card overdraft service
$27 each
Minimum Balance Required To Open A Deposit Account:
Overdrawn (returned unpaid ACH, check)
$27 each
- FREE Checking with eStatements:
$25
Regulation D courtesy clearing
$27 each
- Classic checking:
$25
- High-yield checking:
$5,000
Transfer Fee (Overdraft Protection transfer from savings,
- Builder checking:
$25
checking, line of credit or Visa)
$5 per transfer
- Primary savings:
$1
SAFE DEPOSIT BOX FEES
- Great Rate Savings:
$5,000
Annual fee
- Money market:
$5,000
2" X 5" box
$35 each
3" X 5" box4
$40 each
5" X 5" box
$60 each
3" X 10" box
$60 each
5" X 10" box
$75 each
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.)
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. Third party fees may apply. 2Requires enrollment in Bill Payer Plus. 3In 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. 4FREE with $50,000 savings balance, where available. 5Limited history available.