You are now leaving Southern Chautauqua Federal Credit Union.


Cancel or wait and you will be directed to the site shortly.

Fee Schedule

Fee Schedule

 

Membership

Membership
Amount

Minimum deposit held in Share One savings account 

$25.00 

 

Fees

Fee type
Fee Amount

Bounce back checking

FREE

Phone transaction fee

8 FREE/month, then $.75 each

Online banking service fee

FREE

Internet bill pay service fee

FREE

Statement fee

FREE

Rebound checking **

$5/month

Money market maintenance fee

FREE

Loan application fee

FREE

Mortgage processing fee

FREE

Notary services

FREE

IRA custodial fee

FREE

Incoming and outgoing fax

FREE

ACH/Debit card overdraft fee

$22.00

NSF Fee *

$27.00

Courtesy pay/Overdraft fee

$22.00

Deposited item returned

$34.00

Additional statement copy per month

$7.00

Copy of credit report

$22.00

Return statement fee

$7.00

No forwarding address fee

$15.00

Dormant account fee (per month after 12 months)

$25.00

Teller/corporate check drawn on credit union account (first 4 checks/month, free

$1.00

Replacement visa debit card pin #

$5.00

Replacement visa debit card

$10.00

Debit card dispute

$25.00

Emergency checks - sheet of 4

$5.00

Foreign draft fee

$10.00

Foreign transaction fee (debit card)

Current rate charged from Visa

Copy of member check

$5.00 each

Copy of teller/corporate check

$7.00

Duplicate lien release

$5.00

Outgoing domestic wires

$22.00

Incoming domestic wires

$17.00

Outgoing international wires

$77.00

Stop payment ACH/Personal check/Teller check/Corporate check

$20.00

Check ordering

1 free box/12 months: prices vary after that

Overdraft transfer fee

$3.00

Account reconciliation fee/research fee (min of 1/hour)

$25.00/hour

Early withdrawal on club accounts

$15.00 and forfeit accrued interest

Early withdrawal on money market accounts

Forfeit accrued interest

IRA - early withdrawal, rollover or transfer prior to age 59

Up to 180 days of interest

Early withdrawal on CD

Up to 180 days of interest

Manually posted exceptions

$5.00

Duplicate loan coupon book

$15.00

Letter of protest

$25.00

Restraining notice/subpoena/levy fee/legal process

$100.00

Preparation and filing of discharge of mortgage

$55.00

Preparation of subordination agreement

$75.00

Money order/Certified cashier's check

$1.00

Item sent for collections

25% of account charged of balance

Property tax processing fee

$100.00

Deferment fee (skip a pay)

$25.00

Loan payment late fee

$15.00

Account activity printout

FREE

Lapse of insurance notification (3rd attempt)

$25

*Eligible for bounce back, **Not eligible for bounce back

As many banks try to improve the bottom line by charging new fees or increasing existing fees, Southern Chautauqua FCU is committed to keeping fees to an absolute minimum. We do not believe that our members will benefit from fees like debit card monthly use fees. We work very hard to remain true to our Mission, Vision and Value Statements. At Southern Chautauqua Federal Credit Union, we believe in these principles:

  • We are committed to providing our members with professional financial services.
  • We will use our resources wisely.
  • We will be a resource to the community.
  • We will offer the best financial service and value….period.
  • We value the financial well being of our members.
CONTACT

168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000
HOURS

Open today · 9:00 am – 5:30 pm

View branch locations

OUR MISSION STATEMENT

Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect. It will use its resources wisely and be held accountable to its members.