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| 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 Printing | At Cost, Varies |
| Checks Written on Closed Account | $35.00 |
| Expedited Bill Payment – Next Day | $35.00 |
| Expedited Shipping – Checks | At Cost |
| DEBIT CARD & VISA® CREDIT CARD | |
| Expedited Shipping Card & PIN | $35.00 each |
| Foreign Transaction – Visa® Debit Card & Visa® Credit Card | 1% 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.
