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Business Account Fee Schedule
AccountFee
All Business Checking Accounts Insufficient Check (NSF) - $30 per item (paid or unpaid)
  Temporary Checks (8) - $8 (No Charge for Starter Checks)
  Stop Payment Order per Series of 25 Checks - $30
  Check Printing Fees May Vary
  Overdraft Protection Draw Fee (transfers over $10 per day only) - $2
Smart Business Checking Minimum Balance to avoid Monthly Service Charge - $2,500
  Monthly Service Charge - $10 per month
  Maximum # of Transactions per month – 150
  Excessive Transactions Fee: $0.25 each
Smart Advantage Business Checking (Interest-Bearing) Minimum Average Daily Balance to Avoid Monthly Service Charge - $5,000
  Monthly Service Charge - $15
  Maximum # of Transactions per month – 250
  Excessive Transactions Fee - $0.25 each
  Sweep Processing Monthly Fee (to Business Money Market Account) - $15
Business Money Market Accounts Minimum Balance Fee - $10 per month - with balance below $5,000
  Transfer Limitations Violation - $30 per item
Check Cashing Fee Members with less than $1,000 in aggregate deposit and/or loan balances will be assessed a $3 check–cashing fee. Members with less than $1,000 in aggregate deposit and / or loan balances will be excluded from the $3 check – cashing fee if the member is le
Debit MasterCard/ATM Card Services Transactions With a Smart Financial Credit Union Card @ SFCU-owned ATM’s - No Charge
  Transactions With a Smart Financial Credit Union Card @ other ATM locations - $2 each
  Replacement Debit MasterCard/ ATM card - $5 each
  Surcharge (terminal fee) free ATM’s – Credit Union Friendly Network locations
Safe Deposit Box Service (available at our Newcastle, Conroe & Sugar Land offices only) Key Deposit - $25
  Box Size 3" x 5" - $25 annually
  Box Size 3" x 10" - $40 annually
  Box Size 5" x 10" - $60 annually
  Box Size 10" x 10" - $95 annually
Other Service Fees (applicable to all accounts) Account Inquiry/Transactions by phone - $5 each
  Cashier's Checks payable to Third Party - $5
  Cashier's Checks (On Us Check Conversion) - $5
  Cashier Check Replacement Fee - $30
  Closed Membership / Account (within the first 6 months) - $25
  Coin Roll Order - $0.10 per roll
  Coin Sorter Fee (except 16 and under) - 5% of amount sorted
  Collection Items - Domestic items $20 each
  Currency Strap Order - $0.40 per strap
  Deposit Zipper Bags - $5 each
  Document Copied - $5 each
  Foreign Collection Items - $30 each
  Inactive account fee - $10 per month
  Incorrect Address Fee - $10
  Insufficient ACH Debit - $30 each
  Insufficient Debit MasterCard Transaction - $30 each
  Lost Title Fee - $25
  Money Orders - $2 each
  Night Deposit Bags (disposable) - 50 @ $25
  Non-Member Check Cashing - $5
  Notary Services (Non Member) - $6
  Overdraft Protection Transfer Fee - $2
  Overnight Delivery - $25
  Paid Check Copied - $5
  Research and Reconciliation (1 hour min. - $2 / page) – $25
  Return Deposit Item from Member Account on Another Institution - $30
  Returned Deposit Item - $30 per item
  Statement Copy - $5
  Stop Payment Order ACH - $30 each
  Stop Payment Order Check (Branch or Phone) - $30 each
  Stop Payment Order check (Online) - $30 each
  Tax Levies and Garnishments - $50
  Transaction History (up to 90 days) - $5 each
  Verification of Deposit (written - other than SFCU mortgages) - $15
  Wire Transfers - International - $40 each
  Wire Transfers - Outgoing Domestic - $20 each