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SIUCU Mobile

Free - On the App Store

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SIUCU Mobile

Free - On the App Store

Fees and Charges

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.

  • 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