Fee Schedule

Effective February 1, 2017

Member Service Fees
Share Overdraft Transfer $2.00 per transfer
Money Market Account Withdrawal $5.00 per transaction over three (3) per month
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 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) Up to $40.00 per item
Returned Item Up to $40.00 per item
Overdraft Privilege Up to $30.00 per item
Stop Payment $15.00 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 $20.00 per hour
Account Research $25.00 per hour
Subordination Agreement $250.00
Address Correction $5.00
Statement Copy Reprint $4.00 per copy
Deposited Item Returned $25.00 per item
Items Sent for Collection $25.00 per item
Outgoing Domestic Wire Transfer $20.00 per transfer
Outgoing International Wire Transfer $50.00 per transfer
Legal Processing $100.00 ($25/hour charge if additional research is needed)
Corporate Draft $2.00 each after one (1) free per day
Check Protest $15.00 per item
Account History $1.00 per page
Money Order $2.00 per item
Counter/Temporary Checks $5.00 for twelve (12) checks
Travel EMV Card $7.95 per card
Travel EMV Value Load (Branch Location) $3.00 per occurrence
Visa® Gift Cards $3.00 per gift card
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) $40.00
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
ePay: PopMoney Send Money
Standard Delivery (3 Business Days) $0.50 per transaction
Next Day Delivery (Next Business Day) $1.00 per transaction
ePay: PopMoney Request Money
Amount Range: $0.00 - $249.99 $1.00 per transaction
Amount Range: $250.00 - $999.99 $2.00 per transaction
Amount Range: $1,000 and above $3.00 per transaction
  Basic Checking Interest Checking High Yield Checking Business Checking*
Monthly Maintenance $2.00 per month $4.00 per month $5.00 per month $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 $2,000 ACH deposits each month 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 $2.00 for each withdrawal, inquiry, and transfer
*Business Checking: Transaction activity will be analyzed on an annual basis and fees are subject to change
Non-member Service Fees
Notary Service $2.00
Check Cashing (Only available for checks drawn on Saratoga's Community Federal Credit Union accounts) $3.00 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.
  • 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.