Business Banking

Business Connect Checking Plans With CURewards
Business Connect Savings and Certificate Account Products
Business Connect Advantages
Business Fee Schedule
Business Accounts Comparison Chart

Effective February 1, 2008

Account or Service	Fee	Comments or Waivers
Account Fees
Stop Payment Fee	$20 per check
Notary Fee	$10.00 per signature
Bill Payer Service	FREE	Business Analysis Checking: See fees below.
Account Research	$25.00 Hour (1 hr. minimum)
Courtesy Pay for ACH/Draft	$27.50 per item
Non-Sufficient Fund(1) - Overdraft fee for ACH/Draft	$27.50 per item
Returned Check(1)	$20.00 per check
Overdraft Transfers from Business Shares	First 3 free per month, $2.00 thereafter
Outgoing Domestic Wire Transfers	$20.00 per wire
Outgoing International Wire Transfers	$37.00 per wire
Business Membership Account Closing Fee	$20.00 if closed within 6 months
Check Printing	Varies
Dormant Account Fee	$2.00/year
Business Money Management Checks Clearing	3 free per month, $5.00 thereafter
Below Minimum Fees
Business Plus Checking	$12.50 monthly	Fee waived if balance remains at or above $7,500 during the entire month
Business Checking	$10.00 monthly	Fee waived if balance remains at or above $5,000 during the entire month
eBusiness Checking	$7.50 monthly	Fee waived if balance remains at or above $2,500 during the entire month
Business Savings (Share) Account	$4.00 monthly	Fee waived if balance remains at or above $100 during the entire month
Business MMA (Money Management Account)	$10.00 per month	Fee waived if balance remains at or above $2,500 during the entire month
Automated Teller Services
Use of Non-SFCU ATMs (Withdrawls only)	$1.00	Fee waived on most Co-op ATMs
Use of SFCU ATMs	Free
Channel Fees
In Branch/Call Center Transactions(2)	See Comments	Business Plus Checking: 25 free per month, $2.50 thereafter per visit/call center transaction. Business Checking: 20 free per month, $2.50 thereafter per visit/call center transaction. eBusiness Checking: $5.00 per transaction.
Check Clearing Fee	See Comments	Business Plus Checking: 100 free per month, $0.25 thereafter per check. Business Checking: 50 free per month, $0.25 thereafter per check. eBusiness Checking: 50 free per month, $0.25 thereafter per check.
Business VISA Card Services
Annual Fee	$25.00 per card	Fee Waived with 12 uses per year
Copy of VISA Sales Draft	$20.00 per copy
Replacement Cards	$10.00 per card
Miscellaneous Services
Rolled Coin Depost/Withdrawl Fee	$0.25 per roll
Check Deposit Charge	See Comments	$2.50 fee for a deposit with more than 25 checks without two tapes and a deposit slip. Business Analysis Checking: See fees below.
Empty ATM Deposit Envelope	$20 per deposit envelope
Visa Gift Cards	$5.95 per card
Collection Item	$20.00 per item
Teller Check not Payable to Member	$3.00 per check
Verification of Deposit	$10.00 per verification
7 Month Liquid CD Closure Fee	$100.00 per CD	If balance falls below $10,000
Sending Tax Lien Check to IRS	$15.00 per Lien

Business Analysis Checking Account Fee Schedule(3)
Service	Fee (Applies to Service via All Channels)
Analysis Fee	$15.00 (Base fee + other fees if applicable)
Per Check Clearing Charge	$0.10 per check
Per Check Deposit Charge	$0.10 per check
Per Deposit Fee	$1.00 each
Cash Deposit/Withdrawl Fee	$1.00 per $1,000 Example: $0.01 - $1,000 => $1.00 Fee $1,000.01 - $2,000 => $2.00 Fee, etc.
Bill Payer Fee	1st month free $9.95 for the first 15 payments and $0.75 for each additional payment.
Multi Business Checking and Zero Balance accounts are available	Applicable service charges will be included in the analysis description of charges.

Notes:

(1) Explanation of Terms:

Non-Sufficient Funds Item (NSF): An electronic payment or check written by a member against an account, which does not contain sufficient funds to cover the item.
Return check: An item written on another financial institution, which is returned unpaid to SFCU.