| Business Account Fee Schedule |
| Effective Date: Wednesday, May 15th, 2024 |
| Account | Fee |
| All Business Checking Accounts |
Insufficient Check (NSF) - $30 per item (paid or unpaid) |
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Temporary Checks (8) - $8 (No Charge for Starter Checks) |
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Stop Payment Order per Series of 25 Checks - $30 |
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Check Printing Fees May Vary |
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Overdraft Protection Draw Fee if Savings Transfer exceeds $10/day - $5 |
| Smart Business Checking |
Minimum Balance to avoid Monthly Service Charge - $2,500 |
| |
Monthly Service Charge - $10 per month |
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Maximum # of Transactions per month – 150 |
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Excessive Transactions Fee: $0.25 each |
| Smart Advantage Business Checking (Interest-Bearing) |
Minimum Average Daily Balance to Avoid Monthly Service Charge - $5,000 |
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Monthly Service Charge - $15 |
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Maximum # of Transactions per month – 250 |
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Excessive Transactions Fee - $0.25 each |
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Sweep Processing Monthly Fee (to Business Money Market Account) - $15 |
| Business Money Market Accounts |
Minimum Balance Fee - $10 per month - with balance below $5,000 |
| |
Transfer Limitations Violation - $30 per item |
| Check Cashing Fee |
Members with less than $1,000 in aggregate deposit and/or loan balances will be assessed a $3 check–cashing fee. |
| Debit MasterCard/ATM Card Services |
Transactions With a Smart Financial Credit Union Card @ SFCU-owned ATM’s - No Charge |
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Transactions With a Smart Financial Credit Union Card @ other ATM locations - $2 each |
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Replacement Debit MasterCard/ ATM card - $5 each |
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Currency Conversion Fee (Debit MasterCard Transactions including online purchases) - 1% of transaction amount |
| Safe Deposit Box Service (available at our Newcastle, Conroe & Sugar Land offices only) |
Key Deposit - $25 |
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Box Size 3" x 5" - $25 annually |
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Box Size 3" x 10" - $40 annually |
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Box Size 5" x 10" - $60 annually |
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Box Size 10" x 10" - $95 annually |
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Box Drill - $225 |
| Other Service Fees (applicable to all accounts) |
Account Inquiry/Transactions by phone - $5 each |
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Cashier's Checks payable to Third Party - $5 |
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Cashier's Checks (On Us Check Conversion) - $5 |
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Cashier Check Replacement Fee - $30 |
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Closed Account within 6 months of opening - $10 |
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Coin Roll Order - $0.10 per roll |
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Collection Items - Domestic items $20 each |
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Currency Strap Order - $0.40 per strap |
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Deposit Zipper Bags - $5 each |
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Document Copied - $5 each |
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Foreign Collection Items - $30 each |
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Inactive account fee - $10 per month |
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Incorrect Address Fee - $10 |
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Insufficient ACH Debit - $30 each |
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Insufficient Debit MasterCard Transaction - $30 each |
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Lost Title Fee - $25 |
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Money Orders - $2 each |
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Night Deposit Bags (disposable) - 50 @ $25 |
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Non-Member Check Cashing - $5 |
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Notary Services (Non Member) - $6 |
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Overdraft Protection Transfer Fee - $2 |
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Overnight Delivery - $25 |
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Paid Check Copied - $5 |
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Research and Reconciliation (1 hour min. - $2 / page) – $25 |
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Return Deposit Item from Member Account on Another Institution - $30 |
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Returned Deposit Item - $30 per item |
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Statement Copy - $5 |
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Stop Payment Order ACH - $30 each |
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Stop Payment Order Check (Branch or Phone) - $30 each |
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Stop Payment Order check (Online) - $30 each |
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Tax Levies and Garnishments - $50 |
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Transaction History (up to 90 days) - $5 each |
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Verification of Deposit (written - other than SFCU mortgages) - $15 |
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Wire Transfers - International - $40 each |
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Wire Transfers - Outgoing Domestic - $20 each |
