CONSUMER SERVICES FEE SCHEDULE 
Effective January 15, 2014 and subject to change. 

ATM, VISA CHECK/DEBIT 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 check/debit card 

Visa gift 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 

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 

ACH courtesy 

Courtesy check clearing 

Check/debit card overdraft service 

Transfer Fee (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 
- Three or more payments per calendar month 
- All other Bill Payer Plus accounts3 
- Overnight check delivery 
- Same day electronic payment 
- Proof of payment (two free per month) 

Popmoney® 
Instant Popmoney 

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 

$27 each 

$5 per transfer 

Varies by selection 

$3 for 8 

FREE 
FREE 
$4.95 per month 
$14.95 each 
$14.95 each 
2 FREE; then $3 each 
FREE3 
$3 per transaction3 

FREE 

FREE 

All other SDCCU Fly Miles Plus accounts 

$35 annual fee 

SDCCU Summer Saver Auto Loan™ 

Vehicle Loan internal refinance/modification 

$95 each 

$150 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 clearing6 

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 

$5 each 
$5 each 
$25 each 
$45 each 

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 
Lost key replacement 
(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. 

Minimum Balance Required To Open A Deposit Account: 
- FREE Checking with eStatements: 
- Classic checking: 
- High-yield checking: 
- Builder checking: 
- Primary savings: 
- Great Rate Savings: 
- Money market: 

$35 each 
$40 each 
$60 each 
$60 each 
$75 each 
$85 each 
$115 each 
$20 each 

$25 
$25 
$5,000 
$25 
$1 
$5,000 
$5,000