Personal Account Fees & Charges
| ATM surcharge | $20 | Free when using SCE FCU or CO-OP Network ATMs |
| Bill Pay | $5 $20 |
Expedited payment – electronic Expedited payment – check |
| Checks | at cost | Personal and Business |
| Check copies | $2 | 2 free per statement |
| Coin deposit | 5% 10% |
of amount redeemed by members, waived on Youth accounts of amount redeemed by non-members |
| Courtesy Pay (paid item)19 | $26 | No fee if overdrawing available account balance by $5 or less or if the transaction is $5 or less and paid by using Courtesy Pay; no more than four Courtesy Pay fees per day per account |
| Debit card replacement | $5 | |
| DMV services | $50 | Title transfers, lease buyouts, private party and out-of-state sales |
| Early withdrawal | $15 | Club and Super Saver (2 free per year); Youth Super Saver (4 free per year) |
| Escheat | $2 | |
| Foreign collection item | $30 $45 |
Canada All other countries |
| Fresh Start Checking | $15 | |
| Home Equity Line demand | $40 | |
| Home Equity Line demand update | $20 | |
| Home Equity subordination | $250 | |
| Inactive account fee | $5 | No activity in 12 months – waived with balances > $250 or for members under 18 |
| IRA transfer | $25 | If transferring to another financial institution |
| Legal action | $50 | Tax levies, judgments, garnishments or subpoenas |
| Loan document copy | $10 | |
| Loan modification | $50 | |
| Medallion stamp | $25 | |
| Non-member check cashing | $5 | |
| Notary | $5 | $2.50 each additional signature |
| Official check | $3 | 1 free per day |
| Online or phone payment | $12.50 $10 $6.50 |
Phone-assisted payment One-time online ACH or debit payment Recurring automatic online ACH or debit payments |
| Photocopies | 20¢ | |
| Research | $24 | Per hour |
| Returned deposited item | $15 | $25 for deposited or cashed check on account with same ownership or on loan payment |
| Returned item/NSF | $26 | (nonsufficient funds) Per item each time presented and/or if paid and not covered by Courtesy Pay |
| Returned mail | $5 | Up to $30 refund with correction |
| Rewards Checking20 | Free | With eStatements & monthly electronic deposit of $500 |
| Safe deposit box annual fee21 | $50 $75 $125 $150 $175 |
3x5” 5x5” 3x10” 5x10” 10x10” |
| Skip payment | $30 | Limit 2 per year |
| Special delivery for card or PIN | at cost | |
| Statement copies | $3 | Per statement |
| Stop payment | $10 $25 |
Checks & Bill Pay Official check |
| Temporary checks | $2 | Two pages, four checks per page |
| Verification of deposit or mortgage | $15 | |
| Visa Gift Cards (at select branches) | $2.50 | $10 replacement |
| Wire transfers | $15 $30 |
Domestic International |
Basic Elements - Legal Text
Fees and charges shown effective as of December 1, 2022
19Including checks, automated debits (ACH), debit card transactions, bill payments, and point-of-sale transactions. 20Monthly fee waived with eStatements and monthly electronic deposit of $500; otherwise, $5 per product per month. 21Please note safe deposit boxes and their contents are not insured by NCUA, are not available at all branches and are subject to availability.