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.
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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 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