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This schedule of fees is accurate as of 01/04/2021, but is subject to change thereafter.

Savings Account Fees
New Account Fee $5
Account Fees
Return Item Fee (including Home Equity) $28/item
Inactivity Fee $5/per month after 12 months inactivity
Dormant Account Fee $25/per account escheatment
Overdraft and/or Member Privilege Fee $28/item*
Check Copy $2/check
Stop Payment $25/item
Account Reconciliation Fee $25/hour
Account History $2/history
Foreign Check Item Fee $8/item
Withdrawal Transfer Fee $2.50/transfer
Returned Deposited Item (for personal accounts) $20/item
Returned Deposited Item (for business accounts) $10/item
Substitute Check $5/check
Returned Statement Fee $2/statement
Check Printing Fee Varies by style
Other Service Fees (applies to all accounts)
Account Research Fee $25/hour
Foreign Currency Purchase Fee $27/order
Money Order $2/item
Cashier's Check $2/item (<$1,000)
Cashier's Check Copy $10/item
Stop Payment Cashier's Check/Money Order $25/item
Outgoing Wire Transfer (domestic) $20/transfer
Incoming Wire Transfer (domestic) $10/transfer
Outgoing Wire Transfer (foreign) $40/transfer
Incoming Wire Transfer (foreign) $20/transfer
Outgoing Share to Share Transfer $10/transfer
Incoming Share to Share Transfer $2.50/transfer
Visa Gift Cards $3/card
Reloadable Visa Gift Card $6/card
Reloadable Visa Gift Card-Joint Owner $2.50/card
Reload Fee (Reloadable Visa Gift Cards) $3/reload
Reloadable Visa Travel Card $6/card
Reloadable Visa Travel Card-Joint Owner $2.50/card
Reload Fee (Reloadable Visa Travel Cards) $3/reload
Electronic Funds Transfer Fees
ATM Withdrawals FREE @ Surf ATMs
Point-of-Sale FREE
Visa Debit Card Purchase FREE
Online Banking, Shared Branching, CUe-Statement, iTalk Banking, Check Imaging, eAlerts, Mobile Banking, Mobile Deposit FREE
New Visa Debit Card $5/card
Replacement Visa Card Fee $5/card
Bill Pay: Regular Member Accounts FREE (up to 10/month, $1/bill after first 10)
Bill Pay: Business Accounts $5/month (up to 10, $1/bill after 10)
Bill Pay Inactivity Fee (Regular Member Accounts) $5/month (after 6 months Bill Pay inactivity)
Bill Pay Expedited Payments - Overnight $19.95
Bill Pay Expedited Payments - Second Day $14.95
Gift Checks $2.99/item
Charitable Donation Checks $1.99/item
Expedited Bill Payment (ACH) $10/item
Expedited Bill Payment (Overnight Check) $25/item
Outgoing Apex Transfers $10/month per transfer
Outgoing External Transfer $2.50/transfer

*Overdraft fees may be imposed on transactions created by check, in-person withdrawal, or other electronic means. Overdrafts may not be paid if the account is not in good standing. Member Privilege may be available 30-days after the checking account has been opened. You have 30-days to repay and bring the account to a positive end-of-day balance.

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