Fees effective as of: 7/02/2018.
The following Schedule of Fees and Charges is provided as a disclosure to the membership of costs pertaining to the following services.
Download a printable version here.
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Consumer
Electronic Services
Electronic Services Mobile Banking FREE Mobile Deposit FREE Online Banking FREE Online Bill Pay* FREE Phone Banking (Q-Phone) FREE Text Banking FREE Account Alerts (email or text) FREE *A non-usage fee of $3.00 per month may apply. Account Charges
Account Charges Account Activity Fee $2/print out Account Balancing Assistance Fee $20/hour Account Research Fee $20/hour Bad Address Fee $5/month Check Copy Fee $2/check Check Printing Charge varies Counter Check Fee $2/page E-Statements FREE Excessive Withdrawal Fee $10 Fresh Start Checking $5/month Inactive Account Fee (after 1 year) $5/month IRA Closure Fee $25 Membership Closure Fee (within 6 months) $20 Membership Fee (re-established within 6 months) $10 Outgoing ACH Setup $5 Paper Statement on Checking Accounts** $1/month Returned Deposit Fee $10/item Statement Copy Fee $2/statement Stop Payment Fee (Check/ACH item) $29/item Verification of Deposit $5 First Mortgage Payoff Statement Fee $20 **Waived for Jr. Executives and Emeritus Checking Accounts. Minimum Balance
Minimum Balance Bailey Bobcat Share $2/month Basic Checking Account $5/month Custom Daily Share Savings Account $5/month Custom Market Account $10/month Jr. Executives Share $2/month Membership Share Savings Account $5/month Premier Now Account $10/month Smart Young Investors Share $2/month Excess Withdrawal
Excess Withdrawal Bailey Bobcat Club Account $5/withdrawal Custom Daily Share Savings Account $5/withdrawal Custom Market Account $5/withdrawal Holiday Savings Account $5/withdrawal Jr. Executives Share $5/withdrawal Membership Share Savings Account $5/withdrawal Smart Young Investors Share $5/withdrawal Special Share Savings Account $5/withdrawal Overdraft Fees
Overdraft Fees Insufficient Funds Fee $29/item Online, Text, Mobile or Q-Phone Transfers FREE Overdraft Transfer Fee $29/item Paid Overdraft Fee $29/item Courtesy Pay $29 Courtesy Pay Reinstatement $25 Card Services
Card Services ATM Card Issuance Fee $10 ATM/Check Card Reinstatement $25 ATM/Check Card Replacement Card Fee $10/card Empty ATM Envelope $10 Allpoint & CO-OP Network ATM Transactions FREE Foreign ATM PIN Based Transaction Fee*** $2/transaction Fresh Start Account Debit Card $10 PIN Number Change - ATM/Check Card $2 POS Credit Based Transaction FREE POS PIN Based Transaction Fee FREE VISA Gift Cards $2 with SIUCU checking account / $3 without SIUCU checking account VISA Every Day Money Card $5 for initial load Chip (EMV) VISA Prepaid Travel Money Card $8 for initial load / $2/re-load ***Excludes participating CO-OP and Allpoint Network ATMs. Transfer Fees
Transfer Fees Collection Item Fee - Outgoing $15 plus costs Person to Person (P2P) $1/transaction Domestic Wire Transfer Fee Outgoing $15/item Incoming $5/item International Draft Fee $25/item International Transfer Fee Outgoing varies Incoming varies Western Union Fee Domestic $22 International $30 less than $500 / $50 greater than $500 Safe Deposit Boxes
Safe Deposit Boxes 3 x 5 $15/year 3 x 10 $20/year 5 x 10 $30/year 10 x 10 $50/year Box Drill or Key Replacement cost General Fees & Charges
General Fees & Charges Cashier's Check Fee**** $3/each Check Cashing Fee (non-member) $5 Coin Counting 3% of total (member)/ 8% of total (non-member) Copy $.10/page Escheat Notice $5 Fax $.10/page Foreign Currency Exchange $15 plus costs Levy Processing Fee $50/levy Loan Payment Over the Phone From External Account $7.95 Money Order Fee4 $2/each Non-Member Converting Check to Cashiers Check $5 Non-Wage Garnishment Processing Fee $50/garnishment Notary Public Service FREE Other IRS Processing Fee $50/item Signature Guarantee Fee $10/guarantee Subordination Agreement Fee $50 Online, Text, Mobile or Q-Phone Transfers FREE Telephone Transfer $1 ****Waived for Basic Checking, Emeritus Checking, and Premier Now Accounts. -
Business
Electronic Services
Electronic Services Mobile Banking FREE Mobile Deposit FREE Online Banking FREE Online Bill Pay* FREE Phone Banking (Q-Phone) FREE Text Banking FREE Account Alerts (email or text) FREE *A non-usage fee of $3.00 per month may apply. Account Charges
Account Charges Account Activity Fee $2/print out Account Analysis Fee $10 Account Balancing Assistance Fee $20/hour Account Research Fee $20/hour Bad Address Fee $5/month Check Copy Fee $2/check Check Printing Charge varies Counter Check Fee $2/page E-Statements FREE Excessive Withdrawal Fee $10 Inactive Account Fee (after 1 year) $5/month Membership Closure Fee (within 6 months) $20 Membership Fee (re-established within 6 months) $10 Outgoing ACH Setup $5 Paper Statement on Checking Accounts $1/month Returned Deposit Fee $10/item Statement Copy Fee $2/statement Stop Payment Fee (Check/ACH item) $29/item Verification of Deposit $5 Overdraft Fees
Overdraft Fees Insufficient Funds Fee $29/item Online, Text, Mobile or Q-Phone Transfers FREE Overdraft Transfer Fee $1 Paid Overdraft Fee $29/item Card Services
Card Services ATM Card Issuance Fee $10 ATM/Check Card Reinstatement $25 ATM/Check Card Replacement Card Fee $10/card Empty ATM Envelope $10 Allpoint & CO-OP Network ATM Transactions FREE Foreign ATM PIN Based Transaction Fee*** $2/transaction Fresh Start Account Debit Card $10 PIN Number Change - ATM/Check Card $2 POS Credit Based Transaction FREE POS PIN Based Transaction Fee FREE VISA Gift Cards $2 with SIUCU checking account / $3 without SIUCU checking account VISA Every Day Money Card $5 for initial load Chip (EMV) VISA Prepaid Travel Money Card $8 for initial load / $2/re-load ***Excludes participating CO-OP and Allpoint Network ATMs. Safe Deposit Boxes
Safe Deposit Boxes 3 x 5 $15/year 3 x 10 $20/year 5 x 10 $30/year 10 x 10 $50/year Box Drill or Key Replacement cost Transfer Fees
Transfer Fees Collection Item Fee - Outgoing $15 plus costs Person to Person (P2P) $1/transaction Domestic Wire Transfer Fee Outgoing $15/item Incoming $5/item International Draft Fee $25/item International Transfer Fee Outgoing varies Incoming varies Western Union Fee Domestic $22 International $30 less than $500 / $50 greater than $500 General Fees & Charges
General Fees & Charges Additional Night Deposit Bag $5 Cashier's Check Fee*** $3/each Check Cashing Fee (non-member) $5 Check Printing Charge varies Coin Counting 3% of total (member) / 8% of total (non-member) Copy $.10/page Deposit Correction Fee $5 Escheat Notice $5 Fax $.10/page Foreign Currency Exchange $15 plus costs Levy Processing Fee $50/levy Loan Payment Over the Phone From External Account $7.95 Money Order Fee**** $2/each Non-Member Converting Check to Cashiers Check $5 Non-Wage Garnishment Processing Fee $50/garnishment Notary Public Service FREE Other IRS Processing Fee $50/item Signature Guarantee Fee $10/guarantee Online, Text, Mobile or Q-Phone Transfers FREE Telephone Transfer $1 ***Waived for Business Checking Plus Accounts. ****Reduced for Business Checking Plus Accounts. Minimum Balance
Minimum Balance Business Share Savings $5/month Business Checking Plus $8/month Business Custom Market $10/month Excess Withdrawal
Excess Withdrawal Business Custom Market $5/withdrawal Transaction Fees
Transaction Fees Business Checking***** $0.15/item Business Checking Plus****** $0.10/item *****After 200 items each month (debit or credit combined) for all Accounts in the aggregate. ******After 400 items each month (debit or credit combined) for all Accounts in the aggregate. Coin & Currency Fees
Coin & Currency Fees Currency Ordering Fee $0.60/strap Rolled Coin Ordering Fee $0.10/roll Foreign Currency Ordering Fee $10 plus costs