CONSUMER SERVICES FEE SCHEDULE
San Diego County Credit Union
Effective January 15, 2014 and subject to change.
sdccu.com®
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
FREE
ACH transactions
Out of Network Transactions
- ACH origination EZPay loan payment
$10 per request
- Non-CO-OP ATM
$1.50 each
(one time initiated request)
- International ATM
$3 each
- ACH origination EZPay loan payment
$10 set-up fee
- Balance inquiry at a non-SDCCU® ATM
$0.50 per inquiry
(recurring transfers)
- 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
FREE (1 per day)
- Less than $5,000 in combined savings balances
$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
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
FREE5
- 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
Overdraft/Insufficient funds (NSF)
$27 each
(This fee applies to checks, ACH and other
teenFirst checking
FREE
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 6
$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,
SDCCUdirect 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 TM
- Checking account (checks)
- FREE Checking with eStatements accounts
FREE
- Internet Branch and TalkTone Teller®
$10 each
- Three or more payments per calendar month
FREE
- In-branch
$20 each
- All other Bill Payer Plus accounts 3
$4.95 per month
- Incoming Electronic Fund
- 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
-
Single or dual signature
1% of purchase/$3 min.
Popmoney
FREE³
- $5,000 in combined savings balances or with
Instant Popmoney
$3 per transaction3
a High-yield checking account
FREE
LOAN AND VISA FEES
(single signature only)
SDCCU Cash Rewards cash back program
FREE
Wire transfers
SDCCU Fly Miles Plus TM 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 TM
$95 each
Vehicle Loan internal refinance/modification
$150 each
SAFE DEPOSIT BOX FEES
Minimum Balance Required To Open A Deposit Account:
Annual fee
- FREE Checking with eStatements:
$25
2" X 5" box
$35 each
- Classic checking:
$25
3" X 5" box4
$40 each
- High-yield checking:
$5,000
5" X 5" box
$60 each
Builder checking:
$25
3" X 10" box
$60 each
- Primary savings:
$1
5" X 10" box
$75 each
- Great Rate Savings:
$5,000
7" X 10" box
$85 each
Money market:
$5,000
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. Superscript(2)Merchants may charge an additional fee. Superscript(3)Requires 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.