Fees are current as of June 24, 2016

Share (Savings) and Share Draft (Checking) Accounts


Membership Share Value/Minimum Deposit

Share Draft (Checking) Fees  

SFCU Cash & Check Card, Debit Rewards Monthly Service


Plus Checking Monthly Service Fee
(If Average Balance is below $500.00)

$5.00 per month

Share Draft (Regular Checking) Monthly Service Fee


Share Draft (Regular Checking) If > 40 per month

.10¢ per Draft

Item Processing Fee 

$1.00 per item

Sales Draft Microfilm Copies

$6.00 per item

Stop Payment on EDNA or Home Banking

$5.00 per item

Stop Payment Not Using EDNA or Home Banking

$15.00 per item

Postdated Item Request

$6.00 per item
Cautionary Stops $10.00

Statement Copy Fee


Paid  or Returned Nonsufficient Funds (NSF)


ACH Returned Debits Nonsufficient Funds (NSF)


Account Research, per hour

$25.00 ($10.00 minimum)

Automatic Overdraft Transfer Fee


Share Draft (Check) Printing
(depending on the style)

Prices vary

Counter Checks

$2.00 per set of 8

Copies of Drafts (research fee of $25 per hour may apply)

A fee of $1.00 per copy

Return of Original Draft / substitute check
(request must be made within 60 days of draft clearing date)





No Charge
Replacement Card Fee, each $5.00
Electronic Debit NSF $28.00

Miscellaneous Fees 

Check Cashing Fee (third-party check) 5% of check (Minimum $10.00)
Money Order $1.50 each
Cashier's Checks $2.00 each, if over $1,000 Free
Conversion of Canadian Checks > $2,000 At Cost
Empty Envelope $25.00
Pay by Phone via Debit Card $5.00
Garnishment $25.00
VISA Gift Cards $3.95 each
Prepaid Debit Card $4.95 each
Personalized Prepaid Debit Card $9.95 each
Wire Transfer Domestic (outgoing) $18.00
Wire Transfer International (outgoing) $50.00
NSF (written by member on a non-SFCU account) $25.00
NSF (written by a non-member) $15.00
Printed Account History $3.00
Foreign Collection Items At Cost
Account Closure Fee $5.00 within 90 days
Dormant Account Fee (after 2 1/2 years) $5.00 per month
Invalid Address $3.00 per month
IRA Annual Maintenance Fee $25.00
IRA Cancellation Fee $25.00
IRA Outgoing Direct Transfer/Rollover Fee $25.00
Municipal Coupon Bond Redemption $17.50
Bill Pay Services FREE!
Expedited Bill Payments $9.95
Person to Person Transfers .75¢ per transaction
Inactive Fee $5.00 per month
Self-Serve Coin  1% of total

Safe Deposit Box Annual Fees 

Box Size
Annual Cost
3 x 5 Box $20.00
5 x 5 Box $25.00
3 x 10 Box $30.00
5 x 10 Box $40.00
10 x 10 Box $66.00
Replacement Key At Market
Drilling of Box At Market
Rates Subject to Change

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Savings, Checking, Term Share, IRA and Certificate Accounts at Spokane Federal Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.