Fees and Service Charges effective as of: 02/01/2022. Rates effective as of 08/05/2022.
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 |
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