Suffolk Federal Fee Schedule

Credit Union Membership

Membership Share $5.00 per member. Must be maintained at all times.

 

Share Account Fees

 

First Time Homebuyers Account Withdrawals $10.00 per withdrawal
Holiday Club (early withdrawal) $10.00 per withdrawal
Insured Money Market (balance below minimum) $15.00 per month (if minimum balance is not maintained. No dividends earned while below minimum)
Insured Money Market (excess fee)

$10.00 per withdrawal (if more than three (3) withdrawals per month)

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

 

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 Overdraft 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

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 (A
2A) 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

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 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

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 Suffolk Federal at 631-924-8000