Fees effective as of February 1, 2012.

Rates are subject to change. Please check with your local branch, or call if we can answer any questions.

Program

Fee Amount

Business Savings Account Fees

Business Savings Monthly Service Fee

$5 per month if minimum balance not met

Charge per Deposited Item

$0.15 per item (50 free per month)

Business Money Market, Business Money Market Plus, and High-Yield Money Market Monthly Service Fee

$10 per month if minimum balance not met

Business Money Market, Business Money Market Plus, and High-Yield Money Market Check Over Limit Fee

$10 per check over the 3 check per month limit

Business Checking Account Fees

Overdraft Transfer

$5 per transfer

NSF (check returned)

$29 per item

Courtesy Pay (check paid)

$29 per item

Check Copy Retrieval
(2 copies free per statement)

$2 per copy, plus $20 per hour

Stop Payment Request

$29 per request

Check Printing

Price varies depending on style

On-Us Non-Member Check Replacement

$5 per request

Free Business Checking
Charge per Check Cleared

$0.15 per item (100 free per month)

Free Business Checking
Charge per Deposited Check

$0.15 per item (100 free per month)

High-Yield Business Checking
Monthly Service

$10 per month if minimum daily balance not met

High-Yield Business Checking
Charge per Check Cleared

$0.10 per item (200 free per month)

High-Yield Business Checking
Charge per Deposited Check

$0.10 per item (200 free per month)

Other Service Fees

Account Reconciliation/Research

$20 per hour

Legal Action (garnishments/levies)

$35

Statement Copy

$2 per statement

Deposited Item Return

$15 per item

Deposit Corrections

$5 per correction

Collection Items

$10 per item (or at cost if greater)

Inactive Account (after 1 year and aggregate balance under $250)

$10 per month

ACH, Money Order and Cashier's Check Stop Payment Request
(A stop payment can be placed on Money Orders and Cashier's Checks only if lost or stolen)

$29

Wire Transfer Fee (outgoing)

$15 per transfer

Money Order

$2 each

Cashier's Checks

$3 per check

Membership Reopen

$10 per reopening

Western Union

$10 per wire (plus cost)

Check-Cashing
(non relationship account)
( A check-cashing fee applies if a member has savings accounts with aggregate balances below $100.)

5% of face value (min $5, max $25)

Online Bill Payer
(unlimited bill payments)

Free

Money HQ
(Advanced Online Bill Payer Services)

$4.95 per month*
*The $4.95 Money HQ monthly fee includes 5 standard transactions (Account-to-Account / Person-to-Person). A $1.50 transaction overage fee will be charged for each transaction exceeding the monthly cap. An $8.95 transaction fee will be charged for each next-day transaction.

Visa Gift Card Purchase (gift cards available at branches or online; $25 minimum)

$3.95 per card/$5.95 per card online

Loose/Rolled Coin Processing

8% of transaction over $200

Photocopy

$0.50 per page

Cash Deposited

$0.20 per $100

Cash Purchased

$0.20 per $100

Document Retrieval

$2 per page, plus $20 per hour research and retrieval

Coin Deposited

$0.20 per $100

Coin Purchased

$0.20 per $100 (20 rolls free, .25 per roll thereafter.)

Early Account Closure (within 90 days of opening)

$10

Telephone Electronic Payment

$9.95 per payment
(not applied to Visa payments)

ATM and Card Fees

ATM Card Replacement

$5 per replacement

Any Foreign Transaction Visa Credit or Debit Card

1% of transaction

Withdrawals at non Sound-owned ATMs

$1 per transaction (5 free per month)
Withdrawals at CO-OP affiliated ATMs or Point of Sale transactions, with a Sound Check Card, are exempt from surcharge.

Membership Requirement

Membership Share/Savings

one (1) per share of $25 required