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 February 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
Share (Savings) Account Withdrawal Fee $5 Per item – First 2 per month are FREE;
also FREE, if done via Stanford FCU ATM or Online Banking
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 $25 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

*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%