Service Fees Share Draft Accounts (Checking) Description Fee Copy of Share Draft $2.00 Copy of Statement $2.00 Insufficient Funds (ACH Debit) $25.00 Insufficient Funds (Card Transaction) $25.00 Insufficient Funds (Share Draft) $25.00 Returned Check Fee $20.00 Stop Payment Fee $25.00 Transfer from savings to cover Overdrawn Checking $5.00 Share Accounts (Savings) Description Fee Below Minimum Balance $2.00 p/month Copy of Statement $2.00 Insufficient Funds (Card Transaction) $25.00 Returned Check Fee $20.00 Transfer from savings to cover Overdrawn Checking $5.00 Dormant Savings Fee (when an account has had no activity for 24 months) $5.00 p/month Misc. Fees Description Fee ATM Usage (1st 10 each month are free) $1.00 Fax Service (local only) $1.00 p/page Loan Late Fee (after 10 days) $10.00 Money Orders $1.00 Official Checks Under $500 $2.00 Replacement Card $5.00 Wire Transfer (outgoing) $25.00 Wire Transfer (incoming) $10.00 Account Closure Fee (When a new membership is closed within the 1st 6 months) $10.00 Legal Action Compliance $75.00 IRA Closure (funds leaving SFCU) $25.00 Canadian Check Collection $10.00 Returned mail from post office $5.00 US Patriot Act Disclosure | FACT Act Disclosure | Truth-In-Savings Disclosure | Funds Availability Policy Billing Rights | Privacy Policy For questions concerning your account or a recent statement, contact the Credit Union. Site developed and hosted by COCC. We operate in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.