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BEWARE OF CALLER ID! Fraudsters can spoof our name and phone number. We will not ask for personal or account information! Hang up and call 888.723.7328–we’re here 24/7.

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BEWARE OF CALLER ID! Fraudsters can spoof our name and phone number. We will not ask for personal or account information! Hang up and call 888.723.7328–we’re here 24/7.

Service Fees

We have minimal fees to help our members save money

Fee schedule effective April 1, 2022

Scroll Right for More Data

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
Lien/Levy Processing $15 Per notice $7.50 $0 $0
Account Research $30 Per hour (one hour minimum) $30 $30 $0
Collection Item $20 Per item $20 $20 $0
Returned Deposit Item $20 Per item $20 $20 $0
Loan Payment Convenience $15 Per item $15 $15 $0
Check Printing Varies Based on style (Premier Checking 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 Checking
$10 Waived with $20,000 combined savings and loan balances or $2,500 minimum daily account balance $5 $0
  • Basic Checking
$0 No minimum balance $0 $0
  • Student Checking
$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.