Fees and Service Charges effective as of: 02/01/2022. Rates effective as of 10/01/2022.
The following Schedule of Service Charges is provided as a disclosure to the membership of costs pertaining to the following services.
Download a printable version of our 2022 Consumer Service Charges here and our 2022 Business Service Charges here.
| Electronic Services | |
|---|---|
| Mobile Banking | FREE |
| Mobile Deposit | FREE |
| Online Banking | FREE |
| Online Bill Pay | FREE |
| Phone Banking (JOY ) | FREE |
| Text Banking (JOY) | FREE |
| Account Alerts (email or text) | FREE |
| Account Service Charges | |
|---|---|
| Account Activity Service Charge | $2/print out |
| Account Balancing Assistance Service Charge | $20/hour |
| Account Research Service Charge | $20/hour |
| Bad Address Service Charge | $5/month |
| Check Copy Service Charge | $2/check |
| Check Printing Service Charge | varies |
| Counter Check Service Charge | $2/page |
| E-Statements | FREE |
| Excessive Withdrawal Service Charge | $10 |
| Fresh Start Checking | $5/month |
| Rebound Checking | $5/month |
| Inactive Account Service Charge (after 1 year) | $5/month |
| IRA Closure Service Charge | $25 |
| Membership Closure Service Charge (within 6 months) | $20 |
| Membership Service Charge (re-established within 6 months) | $10 |
| Outgoing ACH Setup | $5 |
| Paper Statement on Checking Accounts** | $1/month |
| Returned Deposit Service Charge | $10/item |
| Statement Copy Service Charge | $2/statement |
| Stop Payment Service Charge (Check/ACH item) | $29/item |
| Verification of Deposit | $5 |
| First Mortgage Payoff Statement Service Charge | $20 |
| **Waived for Jr. Executives and Emeritus Checking Accounts. |
| 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 | |
|---|---|
| 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 Service Charges | |
|---|---|
| Insufficient Funds (NSF)4 | $25/item |
| Online, Text, Mobile or JOY Phone Transfers | FREE |
| Overdraft Transfer | $1/item |
| Paid Overdraft | $25/item |
| Courtesy Pay | $25 |
| Courtesy Pay Reinstatement | $25 |
| 4 An NSF charge is assessed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate charge. |
| Card Services | |
|---|---|
| ATM Card Issuance Service Charge | $10 |
| ATM/Check Card Reinstatement | $25 |
| ATM/Check Card Replacement Card Service Charge | $10/card |
| Empty ATM Envelope | $10 |
| Allpoint & CO-OP Network ATM Transactions | FREE |
| SIUCU Branded Network ATM Transaction | FREE |
| Foreign ATM PIN Based Transaction Service Charge** | $2/transaction |
| Fresh Start Account Debit Card | $10 |
| PIN Number Change - ATM/Check Card | $2 |
| POS Credit Based Transaction | FREE |
| POS PIN Based Transaction Service Charge | 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 Service Charges | ||
|---|---|---|
| Collection Item Service Charge - Outgoing | $30 | |
| Person to Person (P2P) | $1/transaction | |
| Domestic Wire Transfer Service Charge | ||
| Outgoing | $15/item | |
| Incoming | $5/item | |
| International Transfer Service Charge | ||
| Outgoing | $60 | |
| Incoming | $60 | |
| Wire Recall | $30 |
| 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 Service Charges | |
|---|---|
| Cashier's Check Service Charge*** | $3/each |
| Cashier's Check Completed from self-serve kiosk | FREE |
| Check Cashing Service Charge (non-member) | $5 |
| Coin Counting | Free to members/ 8% of total (for non-members) |
| Copy | $.25/page |
| Escheat Notice | $5 |
| Fax | $1.00/page |
| Foreign Currency Exchange | $15 plus costs |
| Levy Processing Service Charge | $50/levy |
| Loan Payment Over the Phone From External Account | $7.95 |
| Money Order Service Charge*** | $1.50/each |
| Money Order Completed from self-serve kiosk | FREE |
| Non-Member Converting Check to Cashiers Check | $5 |
| Non-Wage Garnishment Processing Service Charge | $50/garnishment |
| Notary Public Service | FREE |
| Other IRS Processing Service Charge | $50/item |
| Signature Guarantee Service Charge | $10/guarantee |
| Subordination/Modification Agreement Service Charge | $75 |
| Online, Text, Mobile, self-serve kiosk or JOY Phone Transfers | FREE |
| Telephone Transfer | $1 |
| Legal Review of Account Documents | Attorney Fees/Costs |
| Skip-A-Pay Loan Deferral - completed online or with self-serve kiosk | $20/use |
| Skip-A-Pay Loan Deferral - completed in-branch or by phone | $25/use |
| ***Waived for Basic Checking, Emeritus Checking, and Premier Now Accounts. |
| Electronic Services | |
|---|---|
| Mobile Banking | FREE |
| Mobile Deposit | FREE |
| Online Banking | FREE |
| Online Bill Pay | FREE |
| Phone Banking (JOY ) | FREE |
| Text Banking (JOY) | FREE |
| Account Alerts (email or text) | FREE |
| Account Service Charges | |
|---|---|
| Account Activity Service Charge | $2/print out |
| Account Analysis Service Charge | $10 |
| Account Balancing Assistance Service Charge | $20/hour |
| Account Research Service Charge | $20/hour |
| Bad Address Service Charge | $5/month |
| Check Copy Service Charge | $2/check |
| Check Printing Service Charge | varies |
| Counter Check Service Charge | $2/page |
| E-Statements | FREE |
| Excessive Withdrawal Service Charge | $10 |
| Inactive Account Service Charge (after 1 year) | $5/month |
| Membership Closure Service Charge (within 6 months) | $20 |
| Membership Service Charge (re-established within 6 months) | $10 |
| Outgoing ACH Setup | $5 |
| Paper Statement on Checking Accounts | $1/month |
| Returned Deposit Service Charge | $10/item |
| Statement Copy Service Charge | $2/statement |
| Stop Payment Service Charge (Check/ACH item) | $29/item |
| Verification of Deposit | $5 |
| Overdraft Service Charges | |
|---|---|
| Insufficient Funds (NSF) | $25/item |
| Online, Text, Mobile, Kiosk or JOY Phone Transfers | FREE |
| Overdraft Transfer | $1 |
| Paid Overdraft | $25/item |
| Card Services | |
|---|---|
| ATM Card Issuance Service Charge | $10 |
| ATM/Check Card Reinstatement | $25 |
| ATM/Check Card Replacement Card Service Charge | $10/card |
| Empty ATM Envelope | $10 |
| Allpoint & CO-OP Network ATM Transactions | FREE |
| SIUCU Branded Network ATM Transaction | FREE |
| Foreign ATM PIN Based Transaction Service Charge** | $2/transaction |
| Fresh Start Account Debit Card | $10 |
| PIN Number Change - ATM/Check Card | $2 |
| POS Credit Based Transaction | FREE |
| POS PIN Based Transaction Service Charge | 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 | |
|---|---|
| 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 Service Charges | ||
|---|---|---|
| Collection Item Service Charge - Outgoing | $30 | |
| Person to Person (P2P) | $1/transaction | |
| Domestic Wire Transfer Service Charge | ||
| Outgoing | $15/item | |
| Incoming | $5/item | |
| International Transfer Service Charge | ||
| Outgoing | $60 | |
| Incoming | $60 | |
| Wire Recall | $30 |
| General Service Charges | |
|---|---|
| Additional Night Deposit Bag | $5 |
| Cashier's Check Service Charge | $3/each |
| Cashier's Check - Done with self-service kiosk | FREE |
| Check Cashing Service Charge (non-member) | $5 |
| Check Printing Service Charge | varies |
| Coin Counting | Free to members/ 8% of total (for non-members) |
| Copy | $.25/page |
| Deposit Correction Service Charge | $5 |
| Escheat Notice | $5 |
| Fax | $1.00/page |
| Foreign Currency Exchange | $15 plus costs |
| Levy Processing Service Charge | $50/levy |
| Loan Payment Over the Phone From External Account | $7.95 |
| Money Order Service Charge **** | $1.50/each |
| Money Order -completed with self-service kiosk | FREE |
| Non-Member Converting Check to Cashiers Check | $5 |
| Non-Wage Garnishment Processing Service Charge | $50/garnishment |
| Notary Public Service | FREE |
| Other IRS Processing Service Charge | $50/item |
| Signature Guarantee Service Charge | $10/guarantee |
| Subordination/Modification Agreement | $75 |
| Online, Text, Mobile, Kiosk or JOY Phone Transfers | FREE |
| Telephone Transfer | $1 |
| Legal Review of Account Documents | Attorney Fees/Costs |
| Skip-A-Pay Loan Deferral | $20/use Self-Service Online/ $25/us In-Branch or by Phone |
| ***Waived for Business Checking Plus Accounts. ****Reduced for Business Checking Plus Accounts. |
| Minimum Balance | |
|---|---|
| Business Share Savings | $5/month |
| Business Checking Plus | $8/month |
| Business Custom Market | $10/month |
| Excess Withdrawal | |
|---|---|
| Business Custom Market | $5/withdrawal |
| Transaction Service Charges | |
|---|---|
| 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 Service Charges | |
|---|---|
| Currency Ordering Service Charges | $0.60/strap |
| Rolled Coin Ordering Service Charges | $0.10/roll |
| Foreign Currency Ordering Service Charges | $10 plus costs |
SIU Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. SIU Credit Union is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. When you exit our site, our Privacy Policy is no longer in effect.
Thank you for visiting us online. Please return when you need information about SIU Credit Union’s products and services.
