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Fees
As a not-for-profit financial institution, our goal is to keep fees low and members happy.
Just enough to keep the lights on and to pay our dedicated team
We get it. You work hard for your money. You have more important things to spend it on. At Securityplus Federal Credit Union, we try to keep our fees for financial services at a bare-bones minimum, allowing us to cover our operating costs while keeping as much as possible in your pocket.
General Fees
| Description | Fee |
|---|---|
| Membership Fee | $5.00 |
| Photocopy of monthly or quarterly statement | $5.00 |
| Photocopy of CU cancelled withdrawal/loan check | $5.00 |
| Photocopy of other documents | $2.00 |
| Stop payment of CU withdrawal/loan check | $20.00 |
| Certify CU withdrawal/loan check | $5.00 |
| Personal returned check (from acct at another financial institution)* | $30.00 |
| 3rd party returned checks* | $20.00 |
| Returned ACH debit/Bill pay | $15.00 |
| Wire transfer (domestic) | $15.00 |
| Wire transfer (international) charges to us | $40.00 |
| Items for special collections | varies |
| Garnishments | $75.00 + attorney fees, if applicable |
| Mortgage verification | $10.00 |
| Travel/Reloadable Card | $5.95 |
| Travel/Reloadable Card Reload Fee | $4.95 |
| Companion Travel/Reloadable Card Fee | $2.95 |
| Return Mail | $5.00 |
| Repeat Loan Application Fee | $25.00 |
| Automated transfer from Share Savings | $1.00 |
| Overdraft Courtesy Pay | $30.00 |
| Premium Overdraft Protection Usage Fee | $30.00 |
| Special Handling Fee | $15.00 |
| Account History Print-outs | $5.00 |
| Cashier's Check — Payable to Multiple Payees, or Payee Other Than Member | $3.00/check |
| Money Order | $1.00/order |
| Pay Loan or Visa by Credit Card or Debit Card | $0.00 |
| Inactive Account Fee** | $5.00 per month |
| Dormant Account Fee | $20.00 |
| Visa Debit Card Plastic Replacement | $10.00 |
| Duplicate Lien Request | $25.00 |
| Subordination Agreement Processing | $75.00 |
Checking Account Fees
| Description | Fee |
|---|---|
| Returned Check | $30.00 |
| Overdraft Courtesy Pay | $30.00 |
| Premium Overdraft Protection Usage Fee | $30.00 |
| Microfilm check copy | $3.00 |
| Check Copy | $3.00 |
| Image fax check copy | $5.00 |
| Stop payment | $25.00 |
| Stop payment of series | $30.00 |
| Reconciling checking account minimum charge (no charge if our error) | $15.00 |
| Additional starter checks | $10.00 |
| Check printing | Varies |
| Power Checking minimum balance fee for cumulative account balance (loans and deposits) under $10,000 | $9.00 per month |
| Revive Checking monthly fee without at least one ACH credit | $5.00 per month |
ATM & Point-of-Sale (POS) Fees
| Description | Fee |
|---|---|
| Withdrawal on non-Securityplus ATM Fee waived for up to 3 withdrawals from Securityplus checking account per month on non-Securityplus ATMs. | $2.00 |
| Inquiry on non-Securityplus ATM | $1.00 |
| Declined transaction on non-Securityplus ATM* | $1.00 |
| Checking | Free |
| Savings | $1.00 |
ResponseLine Fee
| Description | Fee |
|---|---|
| Replace Personal Access Code (PAC) | $5.00 |
Safe Deposit Box Fees
| Description | Fee |
|---|---|
| Small Box (Owings Mills & Woodlawn) | $30.00 - annually |
| Medium Box (Owings Mills & Woodlawn) | $60.00 - annually |
| Large Box (Owings Mills) | $140.00 - annually |
Visa Credit Card Fees
| Description | Fee |
|---|---|
| Replacement Card Fee | $10.00 |
| Personal Check | $25.00 |
| 3rd Party Check | $25.00 |
| Minimum Finance Charge (for purchases) | None |
| Late Charges | $25.00 |
| Copy of Sales or Cash Advance Slip or Periodic Statement | $3.00 |
| Annual Fees | None |
| Transaction Charge | None |
| Cash Advance Fee (Student/Share Secured) | $2.50 |