The following Service Charges Schedule is for consumer
accounts only. For Business Accounts, please refer to our
Business Service Charges Schedule.

South Florida Educational FCU is federally insured by the
National Credit Union Administration (NCUA).

Share Draft Checking
Check Copy
$2.00 per check
Check Printing
Price depends upon style
Courtesy Pay
$30.00 each
Credit Union Custom Checks
$8.50 per box
Excessive Overdraft Transfers
$5.00 per transfer
Non-Sufficient Funds/NSF (Returned Check)
$30.00 per check
Stop Payment
$30.00 per check
Online/Telephone Banking Services
Online Banking
Bill Pay
Bill Pay Stop Payment (member initiated)
$30.00 each
Bill Pay Check Copy
$2.00 each
Savings Account
Multiple Accounts
$2.00 per month
Money Market Monthly Account
    Below $2,500 Minimum Balance
$10.00 per month
Electronic Funds Transfer
ATM Withdrawals --
SFEFCU, Publix & CO-OP Network ATMs
Non SFEFCU/Publix/Non CO-OP ATMs
$1.00 per transaction
Point-of-Sale Purchases
ATM Photo
Price depends upon service provider

Visa International Foreign Currency Conversion and
    International Service Assessment
Up to 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.
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)
Bond Coupons (Processed)
$22.00 per envelope
Bond Coupons (Returned)
$30.00 per envelope
Correspondent Bank
    Service Charge
Determined by corresponding bank
Domestic Collections
$25.00 per item*
Foreign Collections Sent by U.S. Mail
$50.00 per item*
Foreign Collections Sent by SFEFCU Courier
$10.00 per item
Instant Check Payment Processing
$10.00 per item
Garnishments, Levies and Court Orders
$50.00 each
Returned International Items
$40.00 per item
*Additional charges for postage may be incurred.
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
5 x 5
3 x 10
5 x 10
10 x 10
10 x 15
Safe Deposit Box Drilling
Lost Key Replacement
Other Services
Account Number Change
Checking ID Change
ACH Returns (Non-Sufficient Funds/NSF)
$30.00 per item
ACH Stop Payments
$30.00 per item
Balance Inquiry
Cashier's Check (below $1,000)
$10.00 per check
Cashier's Check ($1,000 or more)
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
Coin Processing
$10.00 per half-hour
(If more than two SFEFCU issued one-gallon plastic bags are processed)

Deposited/Cashed Returned Check
  • Check from a Third Party

  • Your Own Check

$5.00 per check

$20.00 per check
Dormant Account (12 month inactivity)
$5.00 per month
Negative Balance
$1.00 per day
    (after 5 calendar days; 10 day maximum)

Non-member notarization when
    accompanied by member
$2.00 per statement
$15.00 per hour
Statement Copy (1st copy free)
$2.00 per copy
Stop Payment on Teller Checks and Cashier's Checks
    (must qualify for indemnification)
$20.00 per check
Outgoing Wire Transfer of Funds
  • Domestic

  • International

$20.00 per wire

$40.00 per wire
Incoming Wire Transfer of Funds
$5.00 per wire
International Wire Transfer Tracer
$25.00 per wire
International Wire Transfer Amendments
$25.00 per wire

For further information, please contact the Credit Union.

Rev 11/02/15
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