Fee Schedule

Updated June 2022

SAVINGS & MONEY MARKET ACCOUNTS 
Excessive Transfers – Reg D Limit (more than 6 within a calendar month)$35.00 each
CHECKING ACCOUNTS 
Fresh Start Checking$5.00 monthly
Check PrintingAt Cost, Varies
Checks Written on Closed Account$35.00
Expedited Bill Payment – Next Day$35.00
Expedited Shipping – ChecksAt Cost
DEBIT CARD & VISA® CREDIT CARD 
Expedited Shipping Card & PIN$35.00 each
Foreign Transaction – Visa® Debit Card & Visa® Credit Card1% per transaction
Network-Imposed Adjustment Fee (ATM or Shared Branch)$6.00
Replacement Card$10.00 each
LOANS 
Collateral Protection Insurance – Placement Fee$35.00
Loan and Credit Card Payments by phone or SMW Website (eCheck or Debit Card)$1.95/$4.95 each
Lien Satisfied$25.00
Loan Cancellation (Funded Loan)$50.00
Subordination$150.00
MISCELLANEOUS FEES 
Account Research$30.00 per hour
Certified Mail$10.00 each
Check Copy (Official Checks, Share Draft, ATM, or Shared Branch)$4.00 each
Dormant Account (After 12 months – no activity)$5.00 monthly
Early Certificate Closure$10.00
Escheat$10.00 
Expedited Shipping (Overnight Delivery)$35.00
Legal Order Processing (Garnishment, Executions, Levies, etc.)$35.00
Non-Sufficient Funds (NSF) – Checks, ACH, bill payment, debit card transactions, transfer $35.00 each
Official Check$5.00 each
Returned Deposit Item – Checks, ACH, payments$35.00 per item
Returned Mail$5.00 per occurrence
Statement Copy$2.00 per page
Stop Payment (Check Draft, ACH, Official Check)$20.00
Verification of Deposit$10.00
Wire Transfer – Domestic$25.00
Wire Transfer – International$50.00

*All fees are subject to change without prior notice. Please call us at 800-464-5987 to verify current fees.

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