Effective February 1, 2016

Membership

• New Membership Fee - $10.00
• Replacement Membership Card - $3.00 each

Share Savings Account

• Excessive withdrawal fee - $5.00 each
  (Third withdrawal within a calendar month)
• Excessive withdrawal fee - $10.00 each
  (after three withdrawals within a calendar month)
• Holiday/Christmas Club Withdrawal Fee - $35.00 each
  (For withdrawal prior to scheduled payout)
• IRA Annual Fee - $20.00
• IRA Early Withdrawal - $25.00 each
• Stop Payment On Credit Union Check - $35.00 each
• Deposit Item Return - $20.00 each
• Deposit Item Return Member to Self $35.00 each

Share Draft Checking Accounts

• Inquiries & Transfers by Tellermatic - No Fee
• Monthly Service Charge or per Check Charge - No Fee
• Copy of Draft (Check) - First Two - No Fee
• More then two - $5.00 each
• Stop payment - $30.00 each
• Dishonored Item (NSF) - $35.00 each
• Deposited Check Return - $20.00 each
• Overdraft Transfer from Shares - $5.00 each
• Disputed Item Verified - $10.00 each
• Deposited Item Return Fee - $20.00 per item
• Deposit Check to Self $35.00

ATM Services

• First Four ATM Transactions - NO FEE
• ATM Withdrawal Fee - $ 1.00 each
• ATM Inquiry Fee - NO FEE
• Point of Sale Transactions - NO FEE
• VISA Debit Check Card - $2.00 per month
• ATM Overdraft Transfer - $15.00 each
• Replacement Card - $15.00 each
• Replacement Pin - $5.00 each

Loan Fees

• Loan Application Fee - $25.00 per Applicant
• Late Fees - $25.00 each
• Filing Fee For Auto Loan - $30.00 each
• Loan Cancellation Fee - $15.00 each
• Auto Refinance Title Processing Fee $100.00 each
• Skip a Loan Fee - $25.00 each

Visa

• Dishonored Item - $25.00 each
• Application Fee - $25.00 each
• Replacement Fee - $10.00 each
• Late Fee - $25.00 each

Miscellaneous

• Account Reconciliation/Research per hour - $30.00
• Incoming Wire Transfer - $ 10.00
• Outgoing Wire Transfer (U.S. Only - $500.00 Minimum) - $20.00
• Money Orders - $3.00 each
• Cashiers Checks - $ 5.00 each
• Stop Payment Fee - $30.00 each
  (A check withdrawn at a member's request)
• Statement Copy Fee - $10.00; per copy
• Federal Express Fee - Rate Varies
  (For next day delivery)
• Mail Return Fee - $5.00 per item
  (Any item mailed by the Credit Union and returned by the Post Office)
• Cash Advantage Account balance below $2,500 - $10.00 per month
• Legal Processing Fee - $50.00
• Check-Cashing fee- $5.00

South Atlantic Federal Credit Union at its sole discretion may charge a fee or deny a service to any member abusing a credit union product or service. Prior notice will be provided.