Fee Schedule

Truth-In-Savings Fee Schedule Effective October 1, 2023

Collection Item $40.00/item
Returned Item (Items deposited, payments made, returned unpaid) $20.00/item
Stop Payment Order $35.00/item
Non-Sufficient Funds (NSF) (i) $35.00/presentment
Overdraft Privilege (Fee is assessed on the amount of the negative Available Balance change after the item is posted. If the negative Available Balance change is:) Up to $35.00/paid item
Less than/equal to $4.99 $2.00/paid item
Between $5.00 and $9.99 $10.00/paid item
Between $10.00 and $19.99 $20.00/paid item
Between $20.00 and $29.99 $30.00/paid item
Greater than/equal to $30.00 $35.00/paid item
Overdraft Protection (ii) $2.00/transfer
Basic Checking Monthly Service Fee $10.00/month
Low Balance (iii) $5.00/month
Regular Checking Monthly Service Fee $0.00/item
Christmas Club Early Withdrawal $10.00/withdrawal
Early Membership Closure (Closed within 90 days of opening) $10.00
Inactive Account (iv) *60 months without activity $50.00/membership
Invalid Address (v) $5.00/month
Membership Re-Open Fee (vi) $10.00
NSF (Bill Pay) (i) $35.00/presentment
Optional Bill Pay Services Varies by service
Stop Payment Order (Bill Pay) $35.00/item
Daily ATM Limit (ATM or PIN-based point-of-sale cash back transaction) $1,000
Daily VISA Debit Card Limit $2,500
Visa Debit Card Replacement (First order is free) $10.00
International Service Assessment (Of converted transaction amount) 1%
Inquiry $1.00
Withdrawal $2.00

Note:  The owners of non-Credit Union ATMs may charge additional fees, and any such fee will be paid from your account.  These fees are generally called a surcharge.

Automated Clearing House (ACH) Origination (Loan payments made via telephone) $5.00/transaction
Check Order Approved Vendor(s): Deluxe Varies by style
Coin Counting Machine Usage 5% of total
Non-Member 11% of total
Counter Check (vii) $2.00
Document Copies
Account History $2.00/printout
Bill Payer Payment $1.00/copy
Check Copy $2.00/check
Paid Debit Card Receipt $5.00/copy
Statement Copy $2.00/printout
Guaranteed Funds Check (GFC) $5.00
Non-Member GFC (SRP FCU check collections only) $10.00
Legal Process (Tax levies, garnishments, etc.) $50.00/occurence
Mailed Statement (viii) $1.00/month
Research Services $25.00/hour
Safe Deposit Box Rental (ix) *Assessed by size $22.00 - $80.00/annually
Replacement Key Varies
Shared Branching Withdrawal (Issued transactions only) $3.00
Wire Transfer (Outgoing, domestic) $20.00/request

The Credit Union's Daily Cut-Off Time

All deposits or transactions received after the time we close for business on a day when we are open or received after we open our night depository, or received on a day on which we are closed for business, will be treated as if received on the next business day that we are open unless differently disclosed at the depository.

The Credit Union's Daily Cut-Off Time for Uniform Commercial Code Funds Transfers

Any dollar amount may be transferred on Monday, Tuesday, Thursday, or Friday, until 4:00 p.m. or Wednesday until 11:00 a.m. on a business day. Any request for a transfer after this time will be processed on the next business day we are open.

The Credit Union's Business Day Disclosure

Our business days are Monday through Friday, excluding holidays. Our night depository is opened at 8:30 a.m. daily. Deposits made after 8:30 a.m. or on a day we are not open will be processed on the next business day unless differently disclosed at the depository.

iAny item or transaction can be presented for payment multiple times, which is beyond the control of the Credit Union. Each presentment may be charged a separate NSF fee even though it may be for a repeat presentment. Refer to the section of the Membership Agreement titled Multiple Presentments/Representments for more information.
ii Fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals or by other electronic means for transfers from savings to checking.
iii End of day combined deposit balances do not reach $200 at any time during the month and no current active loans. Applies to members 21 and older, up to age 65. Fee assessed per checking account.
iv Zero balance checking and savings accounts will be closed after six months of no activity.
v Charges begin when the US Post Office notifies us of an invalid/incorrect address and continues until a valid address is provided by you.
vi Memberships voluntarily or involuntarily closed within the last twelve months.
vii Sold in four-check increments. Fee is assessed after initial supply has been issued.
viii Waived with eStatements which requires SRP Online enrollment.
ix Contents in safe deposit boxes are not insured against loss by SRP FCU or NCUA.

Federally insured by NCUA

Photo at top of page provided by SRP member Kathie Ware (Aiken County Historical Musuem).