Fee Schedule

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Fee Schedule

Fees effective as of February 1, 2021

Share Savings Fees
Account Service Fee $6.00/month – Waived for eStatement users, members age 18 and under, and for accounts opened 90 days or less
Account Withdrawal Fee $5.00/withdrawal, if more than three (3) per month
Low Balance $6.00/month, if average daily balance is less than $100 1
Checking Fees Fees
Premium Checking $12.00/month, if qualifying relationship is not met. Waived for accounts opened 30 days or less
Simple Checking $8.00/month, if qualifying relationship is not met. Waived for accounts opened 30 days or less
Self-Service Checking $3.00/month, if qualifying relationship is not met. Waived for accounts opened 30 days or less
Christmas Club & MY Whatever Savings Fees
Account Withdrawal Fee $5.00/withdrawal, if more than four (4) per year
Money Market Fees
Account Withdrawal Fee $10.00/withdrawal, if more than six (6) per month
Low Balance Fee $10.00/month, if daily balance ($1,000) requirement is not met
Safe Deposit Box Annual Rental Fees
3 x 5 Size $45.00/year
5 x 5 Size $60.00/year
3 x 10 Size $65.00/year
5 x 10 Size $85.00/year
10 x 10 Size $135.00/year
Change of Locks $125.00/lock
Drilling of Boxes $125.00/box
Premium Checking Member $20.00/year discount on any box size
Account Fees
Check Printing Prices vary depending upon style
Courtesy Pay

$36.00/item 2
Foreign Item Deposit (Other) $10.00/item plus exchange
Foreign Item Deposit (U.S. Dollars) $5.00/item
Negative Balance $5.00/day after fifth day 3
Non-Sufficient Funds (NSF) $36.00/item
Overdraft Transfer Fee $5.00/share or checking account overdraft transfer
Returned Deposit Item $12.00/item
Stop Payment Delete Fee $12.00/request
Stop Payment $35.00/request
Electronic Funds Transfer (EFT) Fees
Foreign ATM Withdrawal/Transfer Fee $3.00 per withdrawal/transfer ~ waived for Premium Checking
External Transfer Fee $2.00 per outgoing transfer
Other Service Fees Other Service Fees
Account Closing $25.00, if closed within 90 days of opening
Account Reconciliation $10.00/half hour; $10 minimum charge
Account Research $11.00/half hour; $11 minimum charge
Bad Address $5.00/month after two (2) consecutive months
Cashier's Check $10.00/check ~ waived for Premium Checking
Check Cashing $3.00 per item
Debit Card Replacement Fee $6.00/card ~ waived for Premium Checking
Dormant Account $10.00/month after 6 months ~ no fee for members under the age of 18
Invalid ATM Deposit $35.00/deposit
Money Transfer Fee Inquire for current fee
Statement Copy $5.00/copy
Verification of Deposit $15.00/request
Wire Transfer (Incoming) $15.00/transfer
Wire Transfer (Outgoing)
Please call 800-845-0432 		$30.00/transfer
Bill Pay Fees
Stop Payment $35.00/request
NSF $36.00/item
Overnight Check $13.00/check
Same Day Bill Pay (Payment deliver options may vary from biller to biller.) $8.00/item
Bill Pay Registered Self-Service Checking Non-Usage Fee $5.00/month, waived if member registers for Zelle® and completes a Zelle® transaction.
Non-Member Fees Non-Member Fees
Replacement Check $5.00/check
Cashing South Carolina Federal Checks $5.00/check
Coin Counter 8% of cash value
ATM Surcharge $3.50/transaction for using foreign cards in South Carolina Federal machines
Share Value Share Value
Par Value of One Share $5.00

  • 1Fee is waived for members age 18 and under and for accounts opened 90 days or less
  • 2May be incurred when overdrawing accounts by check, ATM, ACH, debit card or other electronic transactions
  • 3Applies to all checking accounts excluding members with Standard Overdraft Protection and those under the age of 18
Business Rate & Fee Schedule
Business Membership Agreement
Business Substitute Check Policy
Consumer Rate and Fee Schedule
Consumer Account Agreement
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What to Bring to Your Appointment
Appointment FAQs

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