Fee Schedule

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Updated as of 07/01/2021

Non-Sufficient Funds $29.00
Overdraft Privilege $29.00
Overdraft Transfer $4.00
Stop Payment $29.00
Returned Item $29.00
Incoming Wire Transfer $2.00
Outgoing Wire Transfer – Domestic
Outgoing Wire Transfer – International $75.00
Money Order $2.00
Cashier Check $2.00
History Inquiry/Statement Reprint
$1.00 per page
Check Copy $1.00 per page
ATM/Debit Card Replacement $5.00
ATM Withdrawal/Inquiry First 8 transactions Free
9 or more $1.00 each
Expedite Card $29.00
Bad Address
$2.00 per month
Account Verification $5.00
Account Research $25.00 per hour
Gift Card $3.00
Travel Card $5.00
Reg D Violation $1
Dormant Account $2.00 per month
Collection Item Varies
Foreign Check Varies
Bill Pay Free
Draft Check Printing Varies
Starter Checks $4.00 per page
Escheat $50.00
Garnishment/Levy $50.00
Non-Member On Us Check Cashing $5.00
Premature Account Closure $5.00 within the first 12 months
Transfer by phone / non CU*Talk
ACH On Demand $5.00 per deposit


A monthly dormant account fee of $2.00 will be charged if there is no activity on your share account for 12 months, you do not use any other services, and your account balance is less than $150.


If you are using any of our services listed below you will not be affected by the $2.00 monthly dormancy fee.  Share accounts of members under age 18 will not be affected.

  • Certificate of Deposit
  • Share Draft Account
  • Money Management Account
  • IRA
  • Club Accounts
  • Direct Deposit
  • MasterCard
  • Mortgage Loans
  • Consumer Loans
  • ATM
  • Home Equity Loans
  • Payroll Deduction

Any questions or concerns regarding the rates and fees listed here should be directed to Saginaw County Employees Credit Union, 1700 Court Street, Saginaw, Michigan 48602-4071 or by phone (989) 793-9188