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Learn the ins and outs of fraud prevention with our Fraud Prevention Center.

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Learn the ins and outs of fraud prevention with our Fraud Prevention Center.

Service Fees

We have minimal fees to help our members save money

Fee schedule effective May 13, 2024

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Membership Rewards Discounted Fees:
Service Fee Description Partner Ambassador Students
Wire Transfers
  • Incoming
$0 None $0 $0 $0
  • Outgoing Domestic
$10 Per wire $5 $0 $0
  • Outgoing International
$20 Per wire $10 $0 $0
  • Wise
Varies Varies based on currency and amount sent. SFCU does not add an additional fee. Varies Varies Varies
Stop Payment $20 Per item $10 $0 $0
Account Research $30 Per hour (one hour minimum) $30 $30 $0
Collection Item $20 Per item $20 $20 $0
Loan Payment Convenience $15 Per item $15 $15 $0
Check Printing Varies Based on style (Premier Spending receives two boxes/year up to $35) Varies Varies Varies
ATM Inquiry and Withdrawal $0 No SFCU fee (only other bank's fees); FREE access to CO-OP ATMs Reimburse 3 ATM fees1 Reimburse unlimited fees1 $0
Overdrawn Account Options
  • Non-Sufficient Funds2
$0 Item returned unpaid $0 $0 $0
  • Account-to-Account Transfer3
$0 Automatic transfer from member's account $0 $0 $0
  • Courtesy Pay/Premium OD3
$20 Per item over $10, up to 4 per day $20 $20 $0
Monthly Service Charges
  • Premier Spending
$10 Waived with $20,000 combined savings and loan balances or $2,500 minimum daily account balance $5 $0
  • High Yield Spending
$0 No minimum balance $0 $0
  • Everyday Spending
$0 No minimum balance $0 $0
  • Student Spending
$0 No minimum balance $0 $0
  • Money Market Account
$10 Waived with $2,500 minimum daily account balance $5 $0
  • Inactivity/Dormant Account
$5 Waived with $2,500 minimum daily account balance $2.50 $0

1The maximum ATM fee reimbursement is $5 per transaction.
2Fee charged and then rebated to account.
3Must be opted in.
Refer to the Business Checking & Savings page for additional fees for business deposit accounts.

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