Fee Schedule




Minimum deposit held in Share One savings account  $25.00 



Fee type

Fee Amount

Bounce Back Checking FREE
Debit Card, e-Check, or ACH payment $7.50/transaction
Phone transaction fee 8 FREE/month, then $.75 each
Online banking service fee FREE
Internet Bill Pay service fee FREE
Statement Fee FREE
Statement Copy* $10/month
Rebound checking ** $7/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
NSF Fee * $29.00
Courtesy pay/Overdraft fee* $24.00
Deposited item returned* $36.00
Copy of credit report $30.00
Return statement fee $15.00
No forwarding address fee $15.00
Dormant account fee (per month after 12 months of no activity) $30.00
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
Debit Card Overdraft* $24.00
ACH Overdraft* $24.00
Emergency checks - sheet of 4 $5.00
Foreign draft fee $10.00
Foreign Deposited Item Returned Price Based on Check Clearing Processor
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
Stop payment ACH/Personal check/Teller check/Corporate check* $22.00
Check ordering 1 free box/12 months: prices vary after that
Account reconciliation fee/Research fee (min of 1/hour) $25.00/hour $25 minimum charge
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 $20.00
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 the total charge off amount
Delinquent Loan Property tax processing fee $100.00
Deferment fee (skip a pay) $25.00
Loan payment late fee $20.00
Account activity printout FREE
Lapse of insurance notification (3rd attempt) $25
Coin Machine Fee* 2% member 8% non-member transaction fee
Legal Process $100.00
Wire transfer (domestic/outgoing) $23.00
Wire Transfer (domestic/incoming) $17.00
Wire Transfer (International) $77.00
*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.
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168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000

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