Schedule of Fees and Charges

Schedule of Fees and Charges
Fees effective as of: 2/10/2016
The following Schedule of Fees and Charges is provided as a disclosure to the membership of costs pertaining to the following services:
Electronic Services
Card Services
Mobile Banking
FREE
ATM Card Issuance Fee
Mobile Deposit
FREE
ATM/Check Card Reinstatement
$10
Online Banking
FREE
ATM/Check Card Replacement Card Fee
Online Bill Pay1
FREE
Empty ATM Envelope
$10
Phone Banking (Q-Phone)
FREE
Allpoint & CO-OP Network ATM Transactions
FREE
Text Banking
FREE
Foreign ATM PIN Based Transaction Fee3
Account Alerts (email or text)
FREE
Fresh Start Account Debit Card
$25
$10/card
$2/transaction
$10
PIN Number Change - ATM/Check Card
Account Charges
Account Activity Fee
$2/print out
Account Balancing Assistance Fee
Account Research Fee
$2
POS Credit Based Transaction
$20/hour
FREE
POS PIN Based Transaction Fee
FREE
VISA Gift Cards
$20/hour
$2 with SIUCU checking account
$3 without SIUCU checking account
Bad Address Fee
$5/month
VISA Prepaid Travel Money Card
$5 for initial load
Check Copy Fee
$2/check
NEW! Chip (EMV) VISA Prepaid Travel Money Card
$8 for initial load
Check Printing Charge
varies
Counter Check Fee
$2/re-load
$2/page
E-Statements
FREE
Transfer Fees
Excessive Withdrawal Fee
$10
Collection Item Fee - Outgoing
Fresh Start Checking
$5/month
Person to Person (P2P) - coming soon!
Inactive Account Fee (after 1 year)
$5/month
Domestic Wire Transfer Fee
IRA Closure Fee
$25
Outgoing
Membership Closure Fee (within 6 months)
$20
Incoming
Membership Fee (re-established within 6 months)
$10
Outgoing ACH Setup
$5
Paper Statement on Checking Accounts2
Returned Deposit Fee
Statement Copy Fee
$15/item
$5/item
International Draft Fee
$25/item
International Transfer Fee
$1/month
Outgoing
varies
$10/item
Incoming
varies
$2/statement
Stop Payment Fee (Check/ACH item)
$15 plus costs
$1/transaction
Western Union Fee
$29/item
Verification of Deposit
$5
First Mortgage Payoff Statement Fee
$20
Minimum Balance
Domestic
$22
International
$30 less than $500
$50 greater than $500
Safe Deposit Boxes
Bailey Bobcat Share
$2/month
3x5
$15/year
Basic Checking Account
$5/month
3 x 10
$20/year
Custom Daily Share Savings Account
$5/month
5 x 10
$30/year
$10/month
10 x 10
$50/year
Custom Market Account
Jr. Executives Share
$2/month
Membership Share Savings Account
$5/month
Premier Now Account
$10/month
Smart Young Investors Share
$2/month
Box Drill or Key Replacement
cost
General Fees & Charges
Cashier's Check Fee4
$3/each
Check Cashing Fee (non-member)
Excess Withdrawal
$5
Coin Counting
Bailey Bobcat Club Account
$5/withdrawal
Custom Daily Share Savings Account
$5/withdrawal
Copy
Custom Market Account
$5/withdrawal
Escheat Notice
Holiday Savings Account
$5/withdrawal
Fax
Jr. Executives Share
$5/withdrawal
Foreign Currency Exchange
Membership Share Savings Account
$5/withdrawal
In-House Mortgage Escrow Servicing Fee
Smart Young Investors Share
$5/withdrawal
Levy Processing Fee
Special Share Savings Account
$5/withdrawal
Loan Payment Over the Phone From External Account
3% of total (member)
8% of total (non-member)
Money Order Fee4
Overdraft Fees
Non-Member Converting Check to Cashiers Check
Insufficient Funds Fee
$29/item
Online, Text, Mobile or Q-Phone Transfers
Overdraft Transfer Fee
FREE
$1
Paid Overdraft Fee
$29/item
Non-Wage Garnishment Processing Fee
Notary Public Service
Other IRS Processing Fee
Signature Guarantee Fee
$.10/page
$5
$.10/page
$15 plus costs
$75
$50/levy
$7.95
$2/each
$5
$50/garnishment
FREE
$50/item
$10/guarantee
Privilege Pay
$29
Subordination Agreement Fee
$50
Privilege Pay Re-Installment
$25
Online, Text, Mobile or Q-Phone Transfers
FREE
Telephone Transfer
$1
1
A non-usage fee of $3.00 per month may apply. 2Waived for Jr. Executives and Emeritus Checking Accounts. 3Excludes participating CO-OP and Allpoint Network ATMs. 4Waived for Basic Checking, Emeritus Checking, and
Premier Now Accounts.
P.O. Box 2888 | Carbondale, IL 62902 | 800-449-7301 | www.siucu.org
KF12172015-Consumer
Schedule of Fees and Charges
Fees effective as of: 2/10/2016
The following Schedule of Fees and Charges is provided as a disclosure to the membership of costs pertaining to the following services:
BUSINESS SERVICES
Electronic Services
Transfer Fees
Mobile Banking
FREE
Collection Item Fee - Outgoing
Mobile Deposit
FREE
Person to Person (P2P) - coming soon!
Online Banking
FREE
Domestic Wire Transfer Fee
Online Bill Pay1
FREE
Outgoing
Phone Banking (Q-Phone)
FREE
Incoming
Text Banking
FREE
International Draft Fee
Account Alerts (email or text)
FREE
International Transfer Fee
Account Charges
Account Activity Fee
$2/print out
Account Analysis Fee
Account Research Fee
$15/item
$5/item
$25/item
Outgoing
varies
Incoming
varies
Western Union Fee
$10
Account Balancing Assistance Fee
$15 plus costs
$1/transaction
Domestic
$20/hour
$22
International
$30 less than $500
$20/hour
Bad Address Fee
$5/month
Check Copy Fee
$2/check
Check Printing Charge
varies
Counter Check Fee
$2/page
$50 greater than $500
General Fees & Charges
Additional Night Deposit Bag
E-Statements
FREE
Check Cashing Fee (non-member)
Excessive Withdrawal Fee
$10
Check Printing Charge
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
Returned Deposit Fee
$1/month
$10/item
Statement Copy Fee
$2/statement
Stop Payment Fee (Check/ACH item)
Verification of Deposit
$29/item
$5
$5
Cashier's Check Fee3
$3/each
$5
varies
Coin Counting
3% of total (member)
8% of total (non-member)
Copy
$5
Escheat Notice
Fax
Foreign Currency Exchange
Levy Processing Fee
Loan Payment Over the Phone From External Account
Money Order Fee4
Overdraft Fees
$.10/page
Deposit Correction Fee
$5
$.10/page
$15 plus costs
$50/levy
$7.95
$2/each
Non-Member Converting Check to Cashiers Check
Insufficient Funds Fee
$29/item
Online, Text, Mobile or Q-Phone Transfers
Overdraft Transfer Fee
FREE
$1
Paid Overdraft Fee
$29/item
Non-Wage Garnishment Processing Fee
Notary Public Service
Other IRS Processing Fee
Signature Guarantee Fee
Online, Text, Mobile or Q-Phone Transfers
Card Services
$5
$50/garnishment
FREE
$50/item
$10/guarantee
FREE
Telephone Transfer
ATM Card Issuance Fee
ATM/Check Card Reinstatement
ATM/Check Card Replacement Card Fee
$25
$10/card
Minimum Balance
Business Share Savings
Empty ATM Envelope
$10
Business Checking Plus
Allpoint & CO-OP Network ATM Transactions
FREE
Business Custom Market
Foreign ATM PIN Based Transaction Fee2
$2
Excess Withdrawal
FREE
Business Custom Market
POS PIN Based Transaction Fee
FREE
VISA Gift Cards
$2 with SIUCU checking account
$3 without SIUCU checking account
NEW! Chip (EMV) VISA Prepaid Travel Money Card
$5/month
$8/month
$10/month
$2/transaction
POS Credit Based Transaction
PIN Number Change - ATM/Check Card
$1
$10
$8 for initial load
$5/withdrawal
Transaction Fees
Business Checking5
$0.15/item
Business Checking Plus6
$0.10/item
$2/re-load
Coin & Currency Fees
Safe Deposit Boxes
Currency Ordering Fee
3x5
$15/year
Rolled Coin Ordering Fee
3 x 10
$20/year
Foreign Currency Odering Fee
5 x 10
$30/year
10 x 10
$50/year
Box Drill or Key Replacement
$0.60/strap
$0.10/roll
$10 plus costs
cost
1 A non-usage fee of $3.00 per month may apply. 2 Excludes participating CO-OP and Allpoint Network ATMs. 3 Waived for Business Checking Plus Accounts. 4 Reduced for Business Checking Plus Accounts. 5 After 200
items each month (debit or credit combined) for all Accounts in the aggregate. 6 After 400 items each month (debit or credit combined) for all Accounts in the aggregate.
P.O. Box 2888 | Carbondale, IL 62902 | 800-449-7301 | www.siucu.org
KF03282016-Business