We're transparent about our fees

You deserve to know exactly what's involved with using our products and services. The fee schedule explains everything so you're not caught off guard.
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Fee Schedule (Effective November 1st 2025)

Description Amount
Abandoned Property/Dormancy Processing Fee $25.00
Account Research/Statement Reconciliation FREE
ATM/Debit/Credit Card Replacement $10.00/Card
Check Cashing Fee: Non-Members $15.00/Each
Cross-Border Transaction Fee/ Visa International Service Assessment 1%
Early Account Closure Fee (Within 90 days of opening) $5
Excessive Withdrawal Fee
After 6 per month for Investor Money Market, Jumbo Money Market, and High-Yield Savings 		 $25.00/ Withdrawal
Excessive Withdrawal Fee
After 6 per month for all other savings and money market accounts		 $5.00/ Withdrawal
Expedited Courier Fee $35 
External Transfer: Incoming & Outgoing (<$2,500) – Standard delivery FREE
External Transfer: Outgoing (over $2,500) – Standard delivery $3.00/Each
External Transfer: Incoming & Outgoing – Next business day $5.00/Each
High-Yield Checking Account Maintenance Fee (If requirements not met)1 $10.00/month
Inactivity Fee (after 12 months without activity) $20.00/Month
IRA Transfer Fee (For each IRA transfer to another organization) $25.00/Each
Levy / Garnishment Processing $75.00
Loan Payment Using Debit Card (through Online Banking) $7.00/Each
Money Orders $2.00/Each
Non-CO-Op ATM fee $3.00/Each
Non-Sufficient Funds(NSF) $32.00**
Official Check Fee: Members $2.00/Each
Official Check Fee: Non-Member $15.00/Each
Overdraft Fee / ODP Fee / Courtesy Pay Fee $32.00**
Overdraft Protection Transfer Fee (will appear as “Transfer Fee” on statement) $5.00/Each*
Paper Statement Fee $10.00/Month
Pay-by-Phone (Non SFCU) Fee $20.00
Re-Open Membership FREE
Returned Mail Fee FREE
Skip A Pay Fee $40.00
SpendingPlus Checking Account Maintenance Fee (If requirements not met)2 $10.00/Month
Stop Payment $32.00
Wire Transfer: Incoming Domestic
 $10.00
Wire Transfer: Outgoing Domestic
 $20.00
 
*Does not apply to withdrawals from a Home Equity Line of Credit (HELOC) or Personal Access Line of Credit (PAL).

**Per occurrence and applies to overdrafts created by check, in-person withdrawal, debit card, ATM withdrawal, or other electronic means

1  To avoid a maintenance fee, during the calendar month your High-Yield Checking account must receive at least $1,000 in aggregate direct deposits, you must make at least 10 point-of-sale or online purchases using your Sharonview High-Yield Checking debit card, and you must maintain active online banking by logging into your online or mobile banking account at least once each month. For debit card purchases, the transaction must post to the account during the qualifying activity period.

2 The SpendingPlus Checking Account Maintenance Fee will be waived for each calendar month in which you: receive at least $1,000 in aggregate direct deposits into the account; make at least 10 point-of-sale or online purchases which post to your account during the calendar month using your Sharonview SpendingPlus Checking debit card; and you maintain active online banking by logging into your online or mobile banking account at least once each month. For debit card purchases, the transaction must post to the account during the qualifying activity period.

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