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 Type Fee Membership Share $5.00 per member. Must be maintained at all times.
Share Account Fees
Account Type Fee 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 Type Fee 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 Type Fee ACH Item Non-sufficient Funds $30.00 per item ATM Foreign Cardholder Surcharge Up 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
Account Type Fee 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 Type Fee 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 Fee None Application Fee None Account Set-up Fee None Program Fee None Participation Fee None Transaction Fees Balance Transfer Fee - MasterCard® Platinum 3.0% of the amount of each balance transfer during the 1st 6 months Balance Transfer Fee - MasterCard® Rewards None Balance Transfer Fee - MasterCard® Secured None 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 Fee 1.00% of each transaction in U.S. dollars Pay-by-Phone Fee $5.00 Statement Copy $5.00 per copy Transaction Fee for Purchases None Penalty Fees Late Payment Fee $25.00 first occurance, $35.00 thereafter Over-the-Credit Limit Fee None Returned Payment Fee $25.00 per item
Business Credit Card Fees
Set-up and Maintenance Fees Account Set-up Fee None Additional Card Fee None Application Fee None Card Replacement Fee $5.00 Participation Fee None Program Fee None Statement Copy Fee $5.00 Transaction Fees Foreign Transaction Fee 1.00% of each transaction in U.S. dollars Pay-by-Phone Fee $5.00 Transaction Fee for Purchases None Penalty Fees Late Payment Fee $25.00 Over-the-Credit Limit Fee None Returned Payment Fee $25.00