Maintenance

$3/month

$4.74

Certified Personal Check

$5

$9.98

Check Protest Fee

$15

N/A

Copy of Canceled Check

$5

$3.69

Counter Checks (4 per page)

$2 ($0.50/per)

$1.55/per

Original Canceled Check

$5

N/A

Returned Checks - Deposited

$10

$15.22

Overdraft Transfer from Savings

$2.50

$7.39

Returned Checks - NSF (Non-Sufficient Funds)

$28

$32.88

Return NSF from POS/Check Card

$28

$33.69

Stop Payment done through SEFCU Online

$10

N/A

Stop Payment on Counter Check

$20

$29.77

Stop Payment on Personal Check

$20

$29.77

Stop Payment on Teller (Official) Check

$20

$29.77

Monthly Charge

No fee

$7.22

Overdraft Transfer from Savings

$2.50

$7.39

No activity for 12 months (activity can be as simple as depositing $1/month)

$3/month

$7.80/month

Overdraft Transfer from Savings

$2.50

$7.39

Teller Check

No fee

$10.65

Money Order

No fee

$4.04

Below minimum average daily balance *

$15

N/A

Certified Personal Check

$5

$10.46

Check Protest Fee

$15

N/A

Copy of Canceled Check

$5

$3.12

Counter Checks (4 per page)

$2 ($0.50/per)

$1.55/per

Original Canceled Check

$5

N/A

Returned Checks - Deposited

$10

N/A

Overdraft Transfer from Savings

$2.50

$7.48

Returned Checks - NSF (Non-Sufficient Funds)

$28

$33.54

Return NSF from POS/Check Card

$28

$33.18

Stop Payment done through SEFCU Online

$10

N/A-

Stop Payment on Counter Check

$20

$29.99

Stop Payment on Personal Check

$20

$29.99

Stop Payment on Teller (Official) Check

$20

$29.99

Monthly Charge

No fee

$6.46

IRA Close Plan / Transfer Fee

$15

$31.71

Distribution from Contribution

Non-taxable, no IRS penalties

Distribution from Earnings:

• Roth IRA is less than 5 years old

• Withdrawals used for higher education

Taxable, no IRS penalties

Distribution from Earnings:

• Roth IRA is less than 5 years old

• Withdrawals not used for higher education

Taxable, may have IRS penalty

Distribution from Earnings

• Roth IRA is at least 5 years old

• Owner will be at least 59½ years old during the current tax year

No tax liability, no IRS penalty

Distribution from Earnings

• Roth IRA is at least 5 years old

• Owner won’t be at least 59½ years old during the current tax year

• Withdrawals are used to pay for qualified higher education expenses, certain medical expenses or for a “First-Time” home purchase

“First-Time” home purchase means:

• The home must be purchased by a grandparent, parent, spouse, child or grandchild of the IRA owner, or by the IRA owner

• The home purchaser may not have had his or her name on a mortgage deed in the last 3 years

• There is a lifetime limit of $10,000 which can be distributed from the Roth IRA for this purpose

No tax liability, no IRS penalty

Card Capture

$10

N/A

Deposit Correction

$7.50

N/A

Deposit of Empty Envelope

$15

N/A

Non-sufficient Funds (NSF)

$28

$33.02

ATM Inquiry Fee (SEFCU ATMs and Allpoint^® ATMs)

$0

N/A

ATM inquiry fee (Non-SEFCU ATMs)

$0.50^♦

$1.46

ATM Foreign Transaction Fee (Non-SEFCU ATM withdrawal, includes POB transaction, except for Allpoint^® ATMs)

$1.25^♦

$2.26

Non-SEFCU ATM Withdrawal Attempt with NSF

$0.30

N/A

POS Transaction – NSF

$28

N/A

Replacement Card

$5

$7.29

Rush Replacement Card

$36

N/A

Currency Conv. Fee Non-U.S. Funds

1% of transaction

N/A

Early withdrawal

Additional IRS penalties may apply

Penalty for breaking the certificate, based on amount withdrawn and the original term length; exceptions are made for withdrawals intended to cover a required minimum distribution

$28.93 – $32.22

Early redemption

Additional IRS penalties may apply

Distributions are usually subject to a SEFCU penalty; exceptions are made in the case of the member having died

IRA Close Plan Fee

$15

IRA Transfer Fee

$15