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Business Service Charges Schedules
Below you will find the service charges schedules for both our Business Free and
Business Plus Checking accounts. For further information, please call our
Member Contact Center. South Florida Educational FCU is federally insured by the
National Credit Union Administration (NCUA).







Business Free Checking Service Charges

Share Draft Checking
Check Copy
$2.00 per check
Check Printing
Price depends upon style
Credit Union Custom Checks
$8.50 per box
Excessive Overdraft Transfers
$5.00 per transfer
Monthly Service Charge
None
Non-Sufficient Funds/NSF (Returned Check)
$30.00 per check
Stop Payment
$30.00 per check
   
 
Online/Telephone Banking Services
Online Banking
Free
Bank-by-Phone
Free
Bill Pay
Free
Bill Pay Stop Payment (member initiated)
$30.00 each
Bill Pay Check Copy
$2.00 each
   
   
Transaction / Limitations
Debit and Credit items (per month)
0-250 = Free
>250 = $0.25 per item
Cash Deposits (per $100 daily)
$0-$2,500 = Free
>$2,500 = $0.10
Cashier’s Check (below $1,000)
$10.00 per check
Cashier’s Check ($1,000 or more)
Free
U.S. Wire Transfer of Funds
 
Incoming
$10.00 per wire
Outgoing
$20.00 per wire
International Wire Transfer of Funds
 
Incoming
$10.00 per wire
Outgoing
$40.00 per wire
Coin Processing
$10.00 per half-hour
(If more than two SFEFCU issued one-gallon plastic bags are processed)
Coin Purchase
$0.10 per roll
Currency Purchase
$0.10 per $100
   
   
Account Balancing
Within a 12 month period
First time Free
Second time
$10.00 per hour
Third time
$20.00 per hour
(Minimum charge is one hour)
 
   
   
Card Replacement/Production
When 3 cards have been issued
    over a 12 month period
$10.00
Special Handling Requests
Price depends upon service
   
   
Safe Deposit Box Annual Lease
Box sizes:
3 x 5
$30.00
5 x 5
$40.00
3 x 10
$50.00
5 x 10
$70.00
10 x 10
$110.00
10 x 15
$150.00
Safe Deposit Box Drilling
$140.00
Lost Key Replacement
$10.00
   
   
Electronic Funds Transfer
ATM Withdrawals --
SFEFCU, Publix & CO-OP Network ATMs
Free
Non SFEFCU/Publix/CO-OP ATMs
$1.00 per transaction
Point-of-Sale Purchases
Free
ATM Photo
Price depends upon service provider

Visa International Foreign Currency Conversion and International Service Assessment
1% of transaction

These are VISA service charges in processing international transactions. The transaction and the assessment service charge will show as two (2) separate transactions on your statement and will be as follows:

Single-currency transactions: 0.80% will be charged for transactions that you conduct in a foreign country when the merchant accepts the transaction in US currency rather than the currency of their country.

Multi-currency transactions: 1% will be charged for transactions in a foreign country when the merchant accepts the transaction in non-US currency (usually their own country’s currency). VISA is required to convert the currency during the settlement process to US currency so that the transaction may be posted to your account.
   
Collection  
Bond Coupons Processed
$22.00 per envelope
Bond Coupons Returned
$30.00 per envelope
Returned International Items
$40.00 per item
(Including n items in both US and n dollars)
Domestic Collections within the USA
$25.00 per item*
Foreign Collections
$40.00 per item*
Correspondent Bank Service Charge
(for collection items)
Determined by corresponding bank.
Instant Check Payment Processing
$10.00 per item
Garnishments, Levies and Court Orders
$50.00
*Additional charges for postage may be incurred.
 
 
Other Services
Account Number Change
$35.00
Checking ID Change
$28.00
ACH Returns (Non-Sufficient Funds/NSF)
$30.00 per item
ACH Stop Payments
$30.00 per item
Balance Inquiry
$2.00
Copies of Deposited Checks
$10.00 per check
Copies of Teller/Cashier's Checks
$3.00 per check
Copies of Savings Bonds
$5.00 per item
Deposited/Cashed Returned Check
 
  •   Check from a Third Party
  • $5.00 per check
  •   Owner's Check
  • $20.00 per check
    Dormant Account (12 month inactivity)
    $5.00 per month
    Notarization for non-member when
        combined with member
    $5.00
    Pre-Statement
    $2.00 per statement
    Research
    $15.00 per hour
    Statement Copy (1st copy free)
    $2.00 per copy
    Stop Payment on Teller and Cashier's Checks
    (must qualify for indemnification)
    $20.00 per check
     
     
     
    Business Plus Checking Service Charges

    Share Draft Checking
    Check Copy
    $2.00 per check
    Check Printing
    Price depends upon style
    Credit Union Custom Checks
    $8.50 per box
    Excessive Overdraft Transfers
    $5.00 per transfer
    Monthly Service Charge if balance is < $5,000
    $10.00
    Non-Sufficient Funds/NSF (Returned Check)
    $30.00 per check
    Stop Payment
    $30.00 per check
       
     
    Online/Telephone Banking Services
    Online Banking
    Free
    Bank-by-Phone
    Free
    Bill Pay
    Free
    Bill Pay Stop Payment (member initiated)
    $30.00 each
    Bill Pay Check Copy
    $2.00 each
       
       
    Transaction / Limitations
    Debit and Credit items (per month)
    0-400 = Free
    >400 = $0.25 per item
    Cash Deposits (per $100 daily)
    $0-$5,000 = Free
    >$5,000 = $.15
    Cashier’s Check (below $1,000)
    $10.00 per check
    Cashier’s Check ($1,000 or more)
    Free
    U.S. Wire Transfer of Funds
     
    Incoming
    $10.00 per wire
    Outgoing
    $20.00 per wire
    International Wire Transfer of Funds
     
    Incoming
    $10.00 per wire
    Outgoing
    $40.00 per wire
    Coin Processing
    $10.00 per half-hour
    (If more than two SFEFCU issued one-gallon plastic bags are processed)
    Coin Purchase
    $0.10 per roll
    Currency Purchase
    $0.10 per $100
       
       
    Account Balancing
    Within a 12 month period
    First time Free
    Second time
    $10.00 per hour
    Third time
    $20.00 per hour
    (Minimum charge is one hour)
     
       
       
    Card Replacement/Production
    When 3 cards have been issued
        over a 12 month period
    $10.00
    Special Handling Requests
    Price depends upon service
       
       
    Safe Deposit Box Annual Lease
    Box sizes:
    3 x 5
    $30.00
    5 x 5
    $40.00
    3 x 10
    $50.00
    5 x 10
    $70.00
    10 x 10
    $110.00
    10 x 15
    $150.00
    Safe Deposit Box Drilling
    $140.00
    Lost Key Replacement
    $10.00
       
       
    Electronic Funds Transfer
    ATM Withdrawals --
    SFEFCU, Publix & CO-OP Network ATMs
    Free
    Non SFEFCU/Publix/CO-OP ATMs
    $1.00 per transaction
    Point-of-Sale Purchases
    Free
    ATM Photo
    Price depends upon service provider

    Visa International Foreign Currency Conversion and International Service Assessment
    1% of transaction

    These are VISA service charges in processing international transactions. The transaction and the assessment service charge will show as two (2) separate transactions on your statement and will be as follows:

    Single-currency transactions: 0.80% will be charged for transactions that you conduct in a foreign country when the merchant accepts the transaction in US currency rather than the currency of their country.

    Multi-currency transactions: 1% will be charged for transactions in a foreign country when the merchant accepts the transaction in non-US currency (usually their own country’s currency). VISA is required to convert the currency during the settlement process to US currency so that the transaction may be posted to your account.
       
    Collection  
    Bond Coupons Processed
    $22.00 per envelope
    Bond Coupons Returned
    $30.00 per envelope
    Returned International Items
    $40.00 per item
    (Including n items in both US and n dollars)
    Domestic Collections within the USA
    $25.00 per item*
    Foreign Collections
    $40.00 per item*
    Correspondent Bank Service Charge
    (for collection items)
    Determined by corresponding bank.
    Instant Check Payment Processing
    $10.00 per item
    Garnishments, Levies and Court Orders
    $50.00
    *Additional charges for postage may be incurred.
     
     
    Other Services
    Account Number Change
    $35.00
    Checking ID Change
    $28.00
    ACH Returns (Non-Sufficient Funds/NSF)
    $30.00 per item
    ACH Stop Payments
    $30.00 per item
    Balance Inquiry
    $2.00
    Copies of Deposited Checks
    $10.00 per check
    Copies of Teller/Cashier's Checks
    $3.00 per check
    Copies of Savings Bonds
    $5.00 per item
    Deposited/Cashed Returned Check
     
  •   Check from a Third Party
  • $5.00 per check
  •   Owner's Check
  • $20.00 per check
    Dormant Account (12 month inactivity)
    $5.00 per month
    Notarization for non-member when
        combined with member
    $5.00
    Pre-Statement
    $2.00 per statement
    Research
    $15.00 per hour
    Statement Copy (1st copy free)
    $2.00 per copy
    Stop Payment on Teller and Cashier's Checks
    (must qualify for indemnification)
    $20.00 per check
     
     




    Last Updated: 11/01/14
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