Fee Schedule
Effective September 1, 2023
|
Member Service Fees |
|
Holiday Club Early Withdrawal |
$10.00 per withdrawal |
|
Savings Account Dormant Account |
$5.00 per month after 12 months of no activity |
|
Escheat Fee (on accounts legally deemed abandoned property) |
$100.00 |
|
Savings Account Early Closing |
$10.00 if closed within three (3) months of opening |
|
ATM Transactions (withdrawals, inquiries, transfers) for members without a checking account |
2 free per month then $2.00 each for withdrawals, inquiries and transfers |
|
Below Par (Accounts below the required $2.50 minimum deposit) |
Up to $2.49 |
|
Non-Sufficient Funds (NSF) |
$40.00 per item |
|
Overdraft Privilege |
$35.00 per item |
|
Stop Payment |
$25.00 per item |
|
Copy of Canceled Check |
$4.00 per item |
|
Certified Check |
$4.00 per item |
|
Check Printing |
Price varies by style and design |
|
Account Reconciliation |
$25.00 per hour |
|
Account Research |
$25.00 per hour |
|
Subordination Agreement |
$250.00 |
|
Address Correction |
$5.00 |
|
Statement Copy Reprint |
$4.00 per copy |
|
Items Sent for Collection |
$25.00 per item |
|
Incoming Wire Transfer |
$25.00 per transfer |
|
Outgoing Domestic Wire Transfer |
$25.00 per transfer |
|
Outgoing International Wire Transfer |
$50.00 per transfer |
|
Legal Processing |
$100.00 ($25/hour charge if additional research is needed) |
|
Corporate Draft |
$5.00 each |
|
Check Protest |
$15.00 per item |
|
Account History |
$1.00 per page |
|
Counter/Temporary Checks |
$5.00 for twelve (12) checks |
|
Returned Statement |
$5.00 per statement |
|
Loan Payment using debit card or eCheck |
$15.00 for debit transaction; $10.00 for eCheck |
|
Debit Card Capture from ATM |
$10.00 |
|
Debit Card Replacement |
$10.00 |
|
Credit Card Replacement |
$10.00 |
|
Emergency Card Replacement Fee (Includes Card and Delivery Fee) |
Up to $100.00 |
|
Credit/Debit Card PIN Replacement Express Delivery Charge |
$30.00 |
|
Credit Card Late Payment |
$27.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment. |
|
ePay: Bill Pay Stop Payment |
$10.00 per item |
|
ePay: Bill Payment Overnight Check Payment |
$14.95 per item |
|
|
Basic Checking |
Interest Checking |
High Yield Checking |
Money Market Checking |
Business Checking* |
|
Monthly Maintenance |
$2.00 per month |
$4.00 per month |
$5.00 per month |
Free |
$25.00 per month (fees waived for non-profit businesses) |
|
Credit to Monthly Maintenance |
Reduce monthly maintenance charge by $2.00 with eStatements |
Reduce monthly maintenance charge by $2.00 with eStatements |
Reduce monthly maintenance charge by $5.00 with eStatements and at least $500 ACH deposits each month |
N/A |
Reduce monthly maintenance charge by $5.00 |
|
ATM Transactions (withdrawals, inquiries, transfers) |
2 free per month then $2.00 for each withdrawal, inquiry and transfer |
4 free per month then $2.00 for each withdrawal, inquiry, and transfer |
4 free per month then $2.00 for each withdrawal, inquiry, and transfer |
4 free per month then $2.00 for each withdrawal, inquiry, and transfer |
$2.00 for each withdrawal, inquiry, and transfer |
|
|
|
Non-member Service Fees |
|
Notary Service |
$2.00 |
|
Check Cashing (Only available for checks drawn on Saratoga's Community Federal Credit Union accounts) |
$5.00 per check
|
Please Note:
-
There are three types of fees, Service, Pass-through and Abuse. We believe ours are fair.
-
Service - to help offset operational expenses relating to providing a service.
-
Pass-through - to recover direct expenses charged to the credit union for services performed by a member.
-
Abuse - to discourage undesirable use, misuse, or abuse of credit union services.
-
Business loan applications and other fees may apply.
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The fees appearing in this schedule are accurate and effective for accounts as of December 1, 2015. If you have any questions or require fee information on your accounts, please call the Credit Union.