Service Fees

Compared to our peers, Stanford FCU is in the bottom 10th percentile when it comes to low or no fees. We have made it a point to eliminate or maintain lower-than-average fees for services that our members use most often in an effort to provide our membership more value.

Fee Schedule Effective September 1, 2017

Service Fee Notes Membership Rewards
Partner Discount Ambassador Discount
Wire – Outgoing Domestic $10 50% 100%
Wire – Outgoing International $20 50% 100%
Wire – Incoming $0 N/A N/A
Stop Payment Fee $20 Per item 50% 100%
Lien/Levy Processing Fee $15 Per notice 50% 100%
Account Research $30 1 hour minimum N/A N/A
Collection Item $20 Per item N/A N/A
Non-Sufficient Funds (ACH or Check) $24* Per item N/A N/A
Overdraft Protection (ACH or Check) $24** Per item N/A N/A
Returned Deposit Item $24 Per item N/A N/A
Loan Payment Convenience Fee $15 Per item N/A N/A
Check Printing Varies Varies by style order.
Premier Checking receives two free boxes
of checks per year, up to a total of $35.
N/A N/A
SFCU ATM Inquiry/Withdrawal $0 FREE access to “partner” ATMs worldwide; surcharge reimbursements for ATMs outside our ATM networks*** 3 reimbursements per month Unlimited reimbursements

*If an item that is presented for payment $10.00 or less the fee would be assessed and rebated at the end of the day. If an item that is presented for payment $10.01 or greater the fee would be $24.00. The maximum number of fees to be charged on any one day would be 4. (Totals $96.00 per day). The fees for any fees assessed greater than 4 per day would be rebated at the end of the day.
**This fee will not apply to ATM withdrawals or one-time debit card transactions.
***Maximum ATM surcharge reimbursement is $5 per ATM transaction. You may be charged a fee by an ATM operator or by a network which we do not operate or are not affiliated with for a funds transfer or withdrawal. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer or withdrawal.

Monthly Service Charges

Account or Service Fee Fee Waived or Reduced Membership Rewards
Partner Discount Ambassador Discount
Premier Checking $10 Fee waived with $20,000 minimum combined share
and loan balance or $2,500 minimum daily balance
50% 100%
Basic Checking FREE No minimum balance N/A N/A
Student Checking FREE No minimum balance N/A N/A
Premier Market Savings Account (Less than $2,500) $10 Fee waived with $2,500 minimum daily balance 50% 100%
Money Management Account (Less than $2,500) $10 Fee waived with $2,500 minimum daily balance 50% 100%
Inactivity/Dormant Fee $5 Waived if minimum daily balance in account is $2,500 or more 50% 100%

Business Accounts Service Fees

Service Fee Notes
Stop Payment Fee $20 Per item
Non-Sufficient Funds (ACH or Check) $24 Per item
Returned Deposit Item $24 Per item
Wire – Outgoing Domestic $10 Per item
Wire – Outgoing International $20 Per item
Wire – Incoming $0
Collection Item $20 Per item
Account Research $30 1 hour minimum
Returned Deposit Item $24 Per item
Check Printing Varies Varies by style order

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