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Fee Schedule

Fee Schedule

 Effective Date: March 1, 2019.



Minimum deposit held in Share One savings account 




Fee type
Fee Amount

Bounce Back Checking


Debit Card, e-Check, or ACH payment


Phone transaction fee

8 FREE/month, then $.75 each

Online banking service fee


Internet Bill Pay service fee


Statement Fee


Statement Copy*


Rebound checking **


Money market maintenance fee


Loan application fee


Mortgage processing fee


Notary services


IRA custodial fee


Incoming and outgoing fax


NSF Fee *


Courtesy pay/Overdraft fee*


Deposited item returned*


Copy of credit report


Return statement fee


No forwarding address fee


Dormant account fee (per month after 12 months of no activity)


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


Replacement visa debit card pin #*


Replacement visa debit card*


Debit card dispute


Debit Card Overdraft*


ACH Overdraft*


Emergency checks - sheet of 4


Foreign draft fee


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*


Duplicate lien release


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


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


Duplicate loan coupon book


Letter of protest


Restraining notice/subpoena/levy fee/legal process


Preparation and filing of discharge of mortgage


Preparation of subordination agreement


Money Order/Certified Cashier's Check


Item sent for collections

25% of the total charge off amount

Delinquent Loan Property tax processing fee


Deferment fee (skip a pay)


Loan payment late fee


Account activity printout


Lapse of insurance notification (3rd attempt)


Coin Machine Fee*

2% member 8% non-member transaction fee

Legal Process


Wire transfer (domestic/outgoing)


Wire Transfer (domestic/incoming)


Wire Transfer (International)


*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.

168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000

Open today · 9:00 am – 5:30 pm

View branch locations


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.