Suffolk Federal Fee Schedule

Suffolk Federal makes banking easier with the credit union’s convenient fee schedule charts.

The fees appearing in this Fee Schedule are accurate and effective for all accounts as of the posting date. If you have any questions or require current rate and fee information on your accounts, please contact us.

  • Credit Union Membership
    Account TypeFee
    Membership Share$5.00 per member. Must be maintained at all times.
  • Share Account Fees
    Account TypeFee
    First Time Homebuyers Account Withdrawals$10.00 per withdrawal
    Holiday Club (early withdrawal)$10.00 per withdrawal
    Insured Money Market (balance below minimum)$10.00 per withdrawal
    Insured Money Market (excess fee)$15.00 per month (if minimum balance is not maintained. No dividends earned while below minimum)
    Insured Money Market (non-sufficient funds)$30.00 per item
    Insured Money Market (withdrawals/check account)$10.00 per withdrawal (if less than $500.00 per withdrawal/check)
    Share Savings (below minimum balance)$1.00 per month (after first full month if minimum balance is not maintained)
    Tax Time Club Excess Withdrawal Fee$10.00 per withdrawal (if more than one (1) per quarter)
    Vacation Club (excess withdrawal)$10.00 per withdrawal (if more than one (1) withdrawal per month)
    Youth Share Savings Below Minimum Fee$1.00 per month (after 1st full month if minimum balance is not maintained)
  • Checking Account Fees
    Account TypeFee
    Business Imaged Checks (non-truncated)$50.00 per month
    Cashier's Check Payable to Third Party $3.00 per check
    Certified Check$2.00 per check
    Check 21 Substitute Checks$5.00 per check
    Courtesy Pay$30.00 per item
    Deluxe Business Checking$20.00 per month (if minimum balance is not maintained)
    Max Money Account$20.00 per month (if minimum balance is not maintained)
    Microfilm Copy$5.00 per item. $10.00 per faxed item
    Non-sufficient Funds$30.00 per item
    Overdraft Protection
    (from Personal Line-of-Credit or Business Line-of-Credit)
    $5.00 per transfer (if amount is $20.00 and above. Only four overdrafts per day will be assessed a fee)
    Overdraft Protection (from Share Savings)$5.00 per transfer
    Remote Check Deposit (Business Accounts)$15.00 per month
    Starter Checks$0.50 per check/$5.00 for twelve (12)
    Stop Payment (check or ACH)$25.00 per request
    Stop Payment
    (Member Telephone Service or Internet)
    $20.00 per request
    Uncollected Funds$30.00 per item
  • Electronic Funds Transfer Fees
    Account TypeFee
    ACH Item Non-sufficient Funds$30.00 per item
    ATM Foreign Cardholder SurchargeUp to $3.00 per transaction
    ATM Overdraft Withdrawals From Checking Which Invoke Overdraft Protection From Share Savings$5.00 per transfer withdrawal
    ATM Withdrawals, Transfers, Inquiries, Rejects (other than Suffolk Federal-owned)First five (5) transactions per month are free. $1.50 per transaction in excess of the first five (5) transactions.
    Bill Pay Check Copy$5.00 per item
    Bill Pay Non-Sufficient Funds$30.00 per item
    Bill Pay Stop Payment$25.00 per item
    Account to Account (A2A) Transfer Fees
    Failed Transaction (Display Only)$25.00 per item
    Person to Person (P2P) Transfer Fees
    Failed Transaction$25.00 per transaction
    Personal Payments – Send Money$1.00 per item
    Personal Payments – Receive Money$1.00 per item
  • Miscellaneous Fees
    Account TypeFee
    Collection Item (from another financial institution)$25.00 on all over $50.00 (taken from check amount- items under $50.00 not processed)
    Dormant Account$20.00 per month on accounts subject to state abandonment regulations
    Home Equity Subordination Fee$150.00 per occurrence
    Loan Late Charge$20.00 per occurrence
    Manual Loan Payment$10.00 per manual payment
    Loan Payment by Blue Pay Portal$10.00 per occurrence
    Premature Membership Closure Fee (close before 6 months)$20.00 per membership
    Protest Letter$25.00 per occurrence
    Return Mail/Undeliverable Mail$2.00 per occurrence
  • Other Service Fees (applicable to all accounts)
    Account TypeFee
    Account Reconciliation/Research$10.00 per quarter hour (minimum one-half hour)
    ATM Card (additional replacement)$5.00 per card
    Cashier's Check Withdrawal to Third Party$3.00 per check
    Debit Card (additional replacement)$10.00 per card
    Levies, Restraining Orders$50.00 each occurrence
    Money Order$5.00 per money order (maximum amount $1,000.00)
    Notary Fee (non-members)$2.00 per item
    Prepaid Debit Card (purchase)$5.00 per card
    Prepaid Debit Card (reloading)$3.00 per reload
    Rush Order Fee for Debit Cards and ATM Cards$30.00
    Return Deposited Item$20.00 per item
    Statement Copy$5.00 per statement
    Telephone Transfer (other than MTS)$5.00 per transfer (minimum of $50.00 transferred)
    Teller Check Photocopy$5.00 per check
    Teller Check Stop Payment$25.00 per check
    MasterCard® Gift Card$5.00 per card
    Wire Transfer (outgoing fee) Domestic$20.00 per transfer
    Wire Transfer (outgoing fee) Foreign$40.00 per transfer
    Wire Transfer (incoming fee)$5.00
  • Consumer Credit Card Fees
    Set-up and Maintenance Fees
    Additional Card FeeNone
    Application FeeNone
    Account Set-up FeeNone
    Program FeeNone
    Participation FeeNone
    Transaction Fees
    Balance Transfer Fee - MasterCard® Platinum3.0% of the amount of each balance transfer during the 1st 6 months
    Balance Transfer Fee - MasterCard® RewardsNone
    Balance Transfer Fee - MasterCard® SecuredNone
    Card Replacement Fee$5.00
    Cash Advance Fee$5.00 or 3.00% of the amount of each cash advance, whichever is greater
    Foreign Transaction Fee1.00% of each transaction in U.S. dollars
    Pay-by-Phone Fee$5.00
    Statement Copy$5.00 per copy
    Transaction Fee for PurchasesNone
    Penalty Fees
    Late Payment Fee$25.00 first occurance, $35.00 thereafter
    Over-the-Credit Limit FeeNone
    Returned Payment Fee$25.00 per item
  • Business Credit Card Fees
    Set-up and Maintenance Fees
    Account Set-up FeeNone
    Additional Card FeeNone
    Application FeeNone
    Card Replacement Fee$5.00
    Participation FeeNone
    Program FeeNone
    Statement Copy Fee$5.00
    Transaction Fees
    Foreign Transaction Fee1.00% of each transaction in U.S. dollars
    Pay-by-Phone Fee$5.00
    Transaction Fee for PurchasesNone
    Penalty Fees
    Late Payment Fee$25.00
    Over-the-Credit Limit FeeNone
    Returned Payment Fee$25.00