Fee Schedule

* Click here to view the Fee Schedule in printable PDF.

Effective August 1, 2018

Account History Printout Fee $5.00
  • Silver Checking

Account Number Transfer Fee $30.00
Account Reactivation Fee¹ $25.00
Account Research/Reconciliation Fee (per hour) $20.00
ATM Withdrawal Fees:
  • Credit Union Owned or CO-OP network ATMs

  • Foreign ATM Fee (per transaction)$1.00

Cashier's Check Fee ($250 Minimum): $3.00
  • With a Checking Account

Check Cashing Fees (per item):
  • Members²

  • Non-members

Check Copy Fee (per item): $2.00
  • Silver Checking - 3 free per day

  • Gold Checking

Checking Account Fees:
  • Ascend Monthly Fee

  • Bronze Monthly Fee

  • Freedom Monthly Fee

  • Freedom Start-Up Monthly Fee

  • Silver Monthly Fee

  • Gold Monthly Fee if $500 minimum balance is not maintained

Corporate Check Fee: $1.00
  • Silver Checking - 3 free per day

Dormant Account Fee³ $4.00
E-statements Free
Enhanced Overdraft Privilege Fee (per month) $5.00
Excessive usage Fees:
Club Accounts
  • Early Withdrawal (per withdrawal)

Save to Prosper4
  • Save to Prosper withdrawal fee

Savings accounts

  • More than 6 teller-assisted withdrawals per quarter (per withdrawal)

Daily Interest
  • More than 3 withdrawals per month (per withdrawal)

Garnishment/Levy Fee (per item) $20.00
Invalid Address Fee (per month, due to a returned statement) $2.00
Limited Activity Fee (per month)5 $4.00
Manual payment due to ACH or check w/ incorrect account number Fee $5.00
Max Service Fees:
  • 24 Hour Phone Teller

  • Bill Pay

  • Mobile Money

  • Online Banking

Money Order Fee (per item) $0.49
Non-member funds availability research Fee (per item) $2.00
Non-Sufficient Funds (NSF) Fees:
  • Debit Card transaction clearing with NSF

  • Returned item for NSF (per presentment)

  • Freedom and Freedom Start-Up checking additional per item fee

Notary Service Fee (per signature notarized): $1.00
  • Gold, Silver, and Ascend Checking

Overdraft Privilege Fee (per item) $18.00
Overdraft Protection Fee (only offered on Gold, Silver, and Ascend checking) Free
Phone Check Withdrawal Fee $1.00
Paper Statement Fee (per month)6 $2.00
ProPay Loan Payments:

  • ACH (eCheck)
  • Debit Card

2.69% of Payment + $0.25
Self-Serve Portal
  • ACH (eCheck)

  • Debit Card

Replacement Debit Card Fee $10.00
Returned Deposited Check Fee $10.00
Statement Copy Fee $5.00
Stop Payment Fee - Check or ACH (per item): $20.00
  • Check series

  • Corporate Check

Telephone Transfer Fee $2.00
Verbal phone request - check clearing information (per check) $3.00
Visa Gift Card Fee (per card) $4.95
Wire Transfer Fees:
  • Incoming

  • Outgoing Domestic


1 Account Reactivation Fee will be charged when a member requests that a restricted or closed account, due to a negative balance, be reopened. The account must first be brought to a positive balance.
2 Check Cashing Fee will be charged if there is less than $100 on deposit in the savings account and there is no other active relationship at the time of the transaction.
3 Dormant Account Fee will be charged to accounts with no activity for 6 months and a balance less than $100.00.
4 Save to Prosper Withdrawal Fee will be charged for the first withdrawal during a savings period. A second withdrawal during a savings period will resort in closure of the account. Penalties not applicable during the month of January.
5 Limited Activity Fee will be charged to account with 4 or less transactions during the month, no loans, no share certificates, or less than $100 total average daily balance. This fee does not apply to Smarty, Journey, or Silver accounts.
6 Paper Statement Fee does not apply to Smarty Accounts or primary members 65 years and older.
Items, procedures and/or charges not specifically indicated are subject to St. Louis Community's normal policy and pricing structure.
Fees are subject to change without notice.