Fee Schedule

Enjoy simplicity, not surprises

Fee Schedule

Fees effective as of January 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)	$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/for every month that zero bills are paid through Bill Pay
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

*Changes effective February 1, 2021:
- Account Withdrawal Fee increase.
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

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