Fees

Listed below you will find the schedule of all fees that may be assessed in association with any types of transactions or requests that may occur at Southern Lakes Credit Union.

Our goal is to keep your best interests in mind. It is also our goal to keep all credit union fees at a minimum, charging only the expense incurred in the majority of situations. You are encouraged to compare our fees to other financial institutions. We are sure that you'll discover that our fees are considerably less in most cases.

We would like each of members to feel free to contact any of our offices or email us with any questions or concerns regarding our schedule of fees.

		This schedule of service charges supercedes any fee information provided in "The Terms and Conditions of Your Account" disclosure brochure provided.
		Fees are subject to change

Sharedraft Fees

	Returned drafts	$29.00 per item
	Member Privilege (Paid NSF items)	$29.00 per item
	Deposit items returned	$29.00 per item
	Copy of drafts	$3.00 per item
	Stop payments	$25.00 per item

VISA Debit Fees

	Replacement card	$5.00 1st request $10.00 2nd request $15.00 3rd and subsequent requests
	Replacement P.I.N	Free
	Annual fee	None

Opportunity Checking Account Fees

	Monthly fee with Direct Deposit	$5.00
	Monthly fee without Direct Deposit	$7.50

Business Acount Fees

	Returned drafts	$29.00 per item
	Deposit items returned	$29.00 per item
	Maintenance fee (all business accounts)	$15.00 per month
	Rolled coin	$.05 per roll
	Coin counting	5% of coin total

(Deposits with 10 or more items will be processed by closing of the following business day.)

Great Banking Alternative

	Members 54 and under	$6.00 month
	Members 55 and over	$4.00 month

Super Share Drafts

If balance<$2000 anytime during a calendar month the fee is

$10.00 month

Gold Seal Savers

If balance<$2500 anytime during  a calendar month the fee is

$10.00 month

Miscellaneous Fees

	Check cashing for members with only a savings account and a minimum of less than $100.00	1% of each check with a $5.00 minimum
	Address change from post office	$3.00
	Overdraft transfer fee	$5.00
	Phone transfer fee	$2.00
	Account closure within 90 days from open	$15.00
	Account closure initiated by credit union	$50.00
	Premature Christmas Club closure	$10.00
	Dormant account<$100.00	$5.00 monthly
	Reconciliation of account	$25.00 per hour ($25.00 minimum)
	Fax	$1.00 per sheet
	Fax/non-members	$3.00 per sheet
	Printed history of account	$3.00 per month
	Copy of statement	$3.00 per copy
	Cashiers check**	$2.00
	Money orders**	First one per day $1.00 Second and subsequent each day $2.00
	Stop payment on money orders	$25.00
	Stop payment on corporate drafts	$25.00
	Travel Money Card**	$7.95
	Travel Money Card reloads**	$3.95
	Coin counting (non-business member)	NO FEE
	Coin counting/non-members	10% of coin total
	Safe Deposit box key replacement	Actual Charge
	Safe Deposit box late fee	$5.00 per month
	Rejected wire transfer	$15.00
	Wire transfer out	$15.00
	International Wire Transfer	$50.00
	Garnishment / tax levy / collection	$50.00 per occur
	Photocopies	$.25 each
	Record Search	$25.00 per hour
	Copies of receipts, deposit slips, etc.	$3.00 minimum
	Incoming collection item	$25.00 per item
	Hold statement fee	$5.00 per month
	Subordination Fee	$100.00

**Members age 55 and greater receive 2 FREE per day.


ACH/ATM

	Returned items	$29.00 per item
	Member Privilege (Paid NSF items)	$29.00 per item
	EFT Stop Pay	$25.00
	Safety Deposit Box Fees
	3 x 5	$20.00
	5 x 5	$25.00
	3 x 10	$30.00
	5 x 10	$40.00
	10 x 10	$60.00
	ACH Orignation Setup	$10.00
	ACH Origination Change/Deletion	$5.00

*Rates subject to change without notice