Fees

Effective Date: 06/11/20211

Account Fees

Account Maintenance

Account maintenance fees are charged per statement period. Some accounts can avoid fees if the required minimum balance indicated is maintained as specified.
Account Type
Fee Amount
Checking2, 3
$
Zard Checking
$
CashPoints® Global
$
Share4
$  
Zard Share4
$
FAT CAT Share
$  
Money Market Share5
$
Summer Cash
$
Holiday Cash Club
$
Salary Advance Cash
$
Health Savings Account (HSA)
$
Individual Retirement Account (IRA)4
$
Simplified Employee Pension (SEP) IRA4
$
Coverdell Education Savings Account (Coverdell ESA)4
$

Check Item / Processing

Checking accounts may incur a per item service fee for checks, teller cashed items and Another Chance items processed each statement period.
Fee Type
Fee Amount
First 50 Items
$
After First 50 Items
$

NSFs (Non-Sufficient Funds)

Each Checking account is allotted two NSF Fee Free days each calendar year. NSF fees are waived the first two days the account incurs one or more NSF items. An NSF fee is assessed per item returned for insufficient funds once NSF Fee Free Days have been exhausted.
Fee Type
Fee Amount
NSF Fee Free Days
$
NSF Fee Free Days Exhausted
$

Overdraft Transfer Service

Each Checking account enrolled in Overdraft Transfer Service is allotted two Overdraft Fee Free Days each calendar year. Overdraft fees are waived the first two days the account incurs overdraft transfers. An overdraft fee is assessed per overdraft transfer once Overdraft Fee Free Days have been exhausted.6
Fee Type
Fee Amount
Overdraft Fee Free Days
$
Overdraft Fee Free Days Exhausted
$

Stop Payment

Fee Type
Fee Amount
Per Stop Payment
$

Card & ATM Fees

ATM

Fee Type
Fee Amount
CashPoints® ATM Transactions7
$
PLUS® Network Completed Transactions
$
PLUS® Network Denied Transactions
$
Balance Inquiry8

Credit Card

Fee Type
Fee Amount
Annual Fee
$
Balance Transfer
$
Cash Advance
$
ATM Transaction9
$
International Transaction10
Late Payment
Lost Card Replacement
$
Over Limit Fee
$
Card Reissue
$
Rush Delivery of Card/PIN11
$

Annual Percentage Rate (APR) as of 01/21/2021 is 7.75%. This rate is variable and subject to change. Interest on balance transfers and cash advances begins to accrue at the time of the transaction. See the Visa Credit Cardholder Agreement for more information.



Debit Card

Fee Type
Fee Amount
Lost Card Replacement
$
International Transaction10
Card Reissue
$
Rush Delivery of Card/PIN11
$

Gift Card

Fee Type
Fee Amount
In-Branch Purchase
$
Online Purchase
$
Inactivity12
$

Loan Fees

First Mortgage

Fee Type
Fee Amount
Late Payment

Miscellaneous Service Fees

Safe Deposit Box

Fee Type
Fee Amount
Annual Rent
Lost Key13
$
Box Drilling
$
Late Rental Payment14
$

Wire Transfer

Fee Type
Fee Amount
Incoming Transfer
$
Outgoing Domestic Transfer
$
Outgoing International Transfer
$

Other Services

Fee Type
Fee Amount
Cashier’s Check Purchase15
$
Check/Statement Copy Request
Notary Service16
$
Returned Item
$
Verification of Deposit (VOD) Request
$
Retro/Historical VOD
$

For detailed information, review the Account Rules and Regulations.

1 Fees subject to change daily at the discretion of the Board of Directors.
2 Members can opt to contribute $ of the monthly maintenance fee to the SECU Foundation.
3 Non-dividend Checking accounts are charged a $2 monthly maintenance fee. New non-dividend Checking accounts no longer available.
4 No fee if the account has a minimum balance of $ on the statement date.
5 No fee if the account maintains a minimum balance of $.
6 To cover an item posting to a Checking account with insufficient available funds, funds are first transferred, in whole dollar amounts, from the primary protecting account. If available funds in the primary protecting account are insufficient to cover the item, an additional transfer will be made, in whole dollar amounts, from the secondary protecting account, if one has been designated. If your Overdraft Fee Free Days have been exhausted, your Checking account will incur a $ fee for each transfer.
7 All transactions performed by using SECU-issued debit cards at a CashPoints ATM are fee-free. Withdrawals using certain non-SECU issued cards are assessed a $2 surcharge fee.
8 When you use a non-CashPoints ATM, the ATM operator may charge a fee for a balance inquiry even if you do not complete a transaction.
9 For each financial transaction at a CashPoints, Visa® or PLUS ATM.
10 Includes phone and internet transactions conducted in US dollars with a foreign merchant. % fee charged against US dollar amount of transaction. See your cardholder agreement for more information on how this fee is calculated and when it is charged.
11 Members can also call PIN Now at (888) 886-0083 to update their PIN.
12 Fee charged monthly after 12 consecutive months of inactivity.
13 Members receive two keys for each box. If both keys are lost, the box must be drilled and a box drilling fee is charged.
14 Fee charged if rent is not collected within 60 days of due date.
15 Fee waived for checks of $500 or more.
16 Service provided for members only.