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Schedule of Fees & Charges
Effective: January 3, 2011
MEMBERSHIP
Membership Fee (One Time, non-refundable)………….............................. $15.00
· No Fee for Minor accounts under 18 years of age
Early Account Closing Fee (within 30 days of opening)….…...................... $15.00
Re-opening or Re-admittance Membership Fee………............................... $25.00
· When account is re-opened within 180 days of closing
Primary Savings: Minimum balance below $50.00.……............................... $ 3.00
· Fee assessed monthly
· $5.00 Minimum Savings balance on Minor Accounts
Locator Service (Annually)………………………………................................ $15.00
CHECKING
Silverado Checking, Basic & Interest……….……………................................$ 5.00
· Fee assessed monthly
Microfilm Copy of Paid Check or Deposited Item ..……..................................$ 3.00
Overdraft Protection from Savings (per item)……………….............................$10.00
Printing of Checks…………....Varies according to style selected
· Checks for members 65 & Older – No Charge/one basic order
Counter Checks (16)…………………………………….....................................$ 3.00
Reconciliation Fee (per hour-1 hour minimum*)……….....…...........................$35.00
Non-Member Check Cashing (On-Us Check/ per item)…..…..........................$ 5.00
NON SUFFICIENT FUNDS (NSF ITEMS)
Checking Overdraft/Non Sufficient Funds (per item)…....................................$25.00
Checking Overdraft/Non Sufficient Funds–Paid (per item)..............................$25.00
Return of Cashed or Deposited Check (Self-per item)..….….........................$25.00
Return of Cashed or Deposited Check (Other-per item)……….....................$15.00
Post-Dating/Stale Dated Check………………………….................................$25.00
Return of Share/Savings Deposit, Uncollected Funds,
Loan Payment, Bill Pay item, Automated Clearing House
(ACH) Debits and ATM Withdrawals (per item)…………................................$25.00
STOP PAYMENTS
Stop Payment Request (Single Check/Item)…..……………...........................$20.00
Stop Payment Request (Series of Consecutive Checks)…............................$30.00
· Stop Payment placed by SCU Staff
Automated Clearing House [ACH] (per item)……..…….….............................$20.00
Stop Payment Request – SCU Bill Pay (per item).….…….............................$20.00
Cashiers & Credit Union Teller Checks (per item)……....................................$25.00
WIRE TRANSFERS
Outgoing Wire Transfer (Domestic)………………………................................$20.00
Outgoing Wire Transfer (International)…………………....................................$40.00
Incoming Wire Transfer………………………………….....................................No Fee
GENERAL FEES
Printed Balance Inquiry………………………………….....................................No Charge
Telephone Advise………………………………………......................................No Charge
Printed History…………………………………………........................................No Charge
Travelers Checks (Traditional)…………………………......................................No Fee
Notary Service (Per signature)…………………………….................................$10.00
Cashiers & SCU Teller Checks
· Monthly – Up to 3 Checks………………………...........................................No Charge
· Monthly – 4 Checks or More (Per Check)……….........................................$ 5.00
Duplicate Statement:
· Monthly..………………………………………................................................$ 2.50
· Quarterly..………………………………………..............................................$ 5.00
Duplicate #1099-INT or #1098 Information……….….…...................................$10.00
Verification of Deposit………………………………….......................................$10.00
Address Verification……………………………………......................................$10.00
Email Incorrect Address……………………………............................................No Charge
Foreign Checks/Drafts…..…Placed for Collection –........................................ Actual Cost
Currency Exchange………………………………................................................Actual Cost
USPS Express Mail - Overnight………..…...................................$15.00 + ......Actual Cost
Photocopy of Transaction Document (per doc/item)……..…...........................$ 3.00
Incoming/Outgoing Collections (per item)…………….......................................$30.00
Legal Order Processing – Levy/Writ……............................................$35.00 + Actual Cost
Escheat Processing …………………………………….....................................$ 3.00
Account Research (per hour/1 hour minimum)………………...........................$35.00
· Per hour/1 hour minimum – unless credit union error*
· Photocopies not included
IRS Incorrect Taxpayer ID Penalty – Actual Cost………...................................$55.00
ATM (Automated Teller Machine) Services
Silverado Credit Union ATM Transactions…..……………No Fee
Point-of-Sale (POS) Transactions…..……………………. No Fee
Transaction at Other/Foreign ATM (Per Transaction)…... $ 1.00
· ATM’s not owned by Silverado Credit Union
ATM Deposit Adjustment ($10.00 or more)…….………. $10.00
Invalid ATM Deposit (such as an empty envelope)……... $25.00
ATM Overdraft/Non Sufficient Funds (per item)………… $25.00
Transfer from Savings to cover ATM Overdraft…….….. $10.00
· Per Occurrence
ATM Card Replacement…………………………………. $ 5.00
· Expedited Replacement: $15.00 + Actual Cost
PIN Replacement………………………………………… $ 5.00
Fees apply to all type of member accounts
Fees are subject to change without notice
SILVERADO CREDIT UNION
P.O. Box 330, Angwin, CA 94508
(707) 965-2483
Schedule of Fees & Charges
Effective: January 3, 2011
MEMBERSHIP
Membership Fee (One Time, non-refundable)…………...................................$15.00
· No Fee for Minor accounts under 18 years of age
Early Account Closing Fee (within 30 days of opening)….…...........................$15.00
Re-opening or Re-admittance Membership Fee………...................................$25.00
· When account is re-opened within 180 days of closing
Primary Savings: Minimum balance below $50.00.……...................................$ 3.00
· Fee assessed monthly
· $5.00 Minimum Savings balance on Minor Accounts
Locator Service (Annually)………………………………....................................$15.00
CHECKING
Silverado Checking, Basic & Interest……….…………….................................$ 5.00
· Fee assessed monthly
Microfilm Copy of Paid Check or Deposited Item ..……..................................$ 3.00
Overdraft Protection from Savings (per item)……………….............................$10.00
Printing of Checks…………....Varies according to style selected
· Checks for members 65 & Older – No Charge/one basic order
Counter Checks (16)……………………………………......................................$ 3.00
Reconciliation Fee (per hour-1 hour minimum*)……….....…............................$35.00
Non-Member Check Cashing (On-Us Check/ per item)…..…...........................$ 5.00
NON SUFFICIENT FUNDS (NSF ITEMS)
Checking Overdraft/Non Sufficient Funds (per item)…..................................... $25.00
Checking Overdraft/Non Sufficient Funds–Paid (per item)...............................$25.00
Return of Cashed or Deposited Check (Self-per item)..….…...........................$25.00
Return of Cashed or Deposited Check (Other-per item)……...........................$15.00
Post-Dating/Stale Dated Check…………………………...................................$25.00
Return of Share/Savings Deposit, Uncollected Funds,
Loan Payment, Bill Pay item, Automated Clearing House
(ACH) Debits and ATM Withdrawals (per item)…………..................................$25.00
STOP PAYMENTS
Stop Payment Request (Single Check/Item)…..……………..............................$20.00
Stop Payment Request (Series of Consecutive Checks)…...............................$30.00
· Stop Payment placed by SCU Staff
Automated Clearing House [ACH] (per item)……..…….…................................$20.00
Stop Payment Request – SCU Bill Pay (per item).….……................................$20.00
Cashiers & Credit Union Teller Checks (per item)…….......................................$25.00
WIRE TRANSFERS
Outgoing Wire Transfer (Domestic)………………………....................................$20.00
Outgoing Wire Transfer (International)…………………........................................$40.00
Incoming Wire Transfer…………………………………..........................................No Fee
GENERAL FEES
Printed Balance Inquiry…………………………………...........................................No Charge
Telephone Advise………………………………………...........................................No Charge
Printed History………………………………………….............................................No Charge
Travelers Checks (Traditional)…………………………...........................................No Fee
Notary Service (Per signature)…………………………….....................................$10.00
Cashiers & SCU Teller Checks
· Monthly – Up to 3 Checks………………………................................................No Charge
· Monthly – 4 Checks or More (Per Check)………............................................$ 5.00
Duplicate Statement:
· Monthly..………………………………………...................................................$ 2.50
· Quarterly..……………………………………….................................................$ 5.00
Duplicate #1099-INT or #1098 Information……….….….......................................$10.00
Verification of Deposit…………………………………...........................................$10.00
Address Verification……………………………………..........................................$10.00
Email Incorrect Address…………………………….................................................No Charge
Foreign Checks/Drafts…..…Placed for Collection –............................................. Actual Cost
Currency Exchange……………………………….....................................................Actual Cost
USPS Express Mail - Overnight………..…..............................................$15.00 + Actual Cost
Photocopy of Transaction Document (per doc/item)……..…................................$ 3.00
Incoming/Outgoing Collections (per item)……………............................................$30.00
Legal Order Processing – Levy/Writ…….................................................$35.00 + Actual Cost
Escheat Processing ……………………………………...........................................$ 3.00
Account Research (per hour/1 hour minimum)………………................................$35.00
· Per hour/1 hour minimum – unless credit union error*
· Photocopies not included
IRS Incorrect Taxpayer ID Penalty – Actual Cost………........................................$55.00
ATM (Automated Teller Machine) Services
Silverado Credit Union ATM Transactions…..……………....................................No Fee
Point-of-Sale (POS) Transactions…..……………………......................................No Fee
Transaction at Other/Foreign ATM (Per Transaction)…........................................$ 1.00
· ATM’s not owned by Silverado Credit Union
ATM Deposit Adjustment ($10.00 or more)…….………........................................$10.00
Invalid ATM Deposit (such as an empty envelope)……..........................................$25.00
ATM Overdraft/Non Sufficient Funds (per item)………….......................................$25.00
Transfer from Savings to cover ATM Overdraft…….…...........................................$10.00
· Per Occurrence
ATM Card Replacement………………………………….........................................$ 5.00
· Expedited Replacement: $15.00 + Actual Cost
PIN Replacement………………………………………….........................................$ 5.00
Fees apply to all type of member accounts
Fees are subject to change without notice
SILVERADO CREDIT UNION
P.O. Box 330, Angwin, CA 94508
(707) 965-2483
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