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SIUCU Mobile

Free - On the App Store

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SIUCU Mobile

Free - On the App Store

Service Charges

Fees effective as of: 02/01/2020.
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 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 Service Charges


    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
    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


    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 Service Charges


    Overdraft Service Charges
    Insufficient Funds Item $29/item
    Online, Text, Mobile or Q-Phone Transfers FREE
    Overdraft Transfer $1/item
    Paid Overdraft $29/item
    Courtesy Pay $29
    Courtesy Pay Reinstatement $25

    Card Services


    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
    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


    Transfer Service Charges
    Collection Item Service Charge - Outgoing $15 plus costs
    Person to Person (P2P) $1/transaction
    Domestic Wire Transfer Service Charge
    Outgoing $15/item
    Incoming $5/item
    International Draft Service Charge $25/item
    International Transfer Service Charge
    Outgoing varies
    Incoming varies
    Western Union Service Charge
    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 Service Charges


    General Service Charges
    Cashier's Check Service Charge**** $3/each
    Check Cashing Service Charge (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 Service Charge $50/levy
    Loan Payment Over the Phone From External Account $7.95
    Money Order Service Charge**** $2/each
    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 Agreement Service Charge $50
    Online, Text, Mobile or Q-Phone Transfers FREE
    Telephone Transfer $1
    Legal Review of Account Documents Attorney Fees/Costs
    Skip-A-Pay Loan Deferral $20 per use Self-Service Online/ $25 per use In-Branch or by Phone
    ****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 Service Charges


    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


    Overdraft Service Charges
    Insufficient Funds Item $29/item
    Online, Text, Mobile or Q-Phone Transfers FREE
    Overdraft Transfer $1
    Paid Overdraft $29/item

    Card Services


    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
    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


    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


    Transfer Service Charges
    Collection Item Service Charge - Outgoing $15 plus costs
    Person to Person (P2P) $1/transaction
    Domestic Wire Transfer Service Charge
    Outgoing $15/item
    Incoming $5/item
    International Draft Service Charge $25/item
    International Transfer Service Charge
    Outgoing varies
    Incoming varies
    Western Union Service Charge
    Domestic $22
    International $30 less than $500 / $50 greater than $500

    General Service Charges


    General Service Charges
    Additional Night Deposit Bag $5
    Cashier's Check Service Charge*** $3/each
    Check Cashing Service Charge (non-member) $5
    Check Printing Service Charge varies
    Coin Counting 3% of total (member) / 8% of total (non-member)
    Copy $.10/page
    Deposit Correction Service Charge $5
    Escheat Notice $5
    Fax $.10/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 **** $2/each
    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
    Online, Text, Mobile or Q-Phone Transfers FREE
    Telephone Transfer $1
    Legal Review of Account Documents Attorney Fees/Costs
    ***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 Service Charges


    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


    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