Business Accounts Fee Schedule | Smart Financial

    Rates & Fee Schedule

    Smart Financial Business Accounts Fee Schedule
    TRUTH-IN-SAVINGS FEE SCHEDULE

    Effective March 1, 2015...Subject to change by the Board of Directors

    Business Accounts
    All Business Checking Accounts Insufficient Check (NSF) - $30 per item (paid or unpaid)
    Temporary Checks (8) - $8 (No Charge for Starter Checks)
    Stop Payment Order per Series of 25 Checks - $30
    Check Printing Fees May Vary
    Overdraft Protection Draw Fee (transfers over $10 per day only) - $2
    Smart Business Checking Minimum Balance to avoid Monthly Service Charge - $2,500
    Monthly Service Charge - $10 per month
    Maximum # of Transactions per month – 150
    Excessive Transactions Fee: $0.25 each
    Smart Advantage Business Checking (Interest-Bearing) Minimum Average Daily Balance to Avoid Monthly Service Charge - $5,000
    Monthly Service Charge - $15
    Maximum # of Transactions per month – 250
    Excessive Transactions Fee - $0.25 each
    Sweep Processing Monthly Fee (to Business Money Market Account) - $15
    Business Money Market Accounts Minimum Balance Fee - $10 per month - with balance below $5,000
    Transfer Limitations Violation - $30 per item
    Check Cashing Fee Members with less than $1,000 in aggregate deposit and/or loan balances will be assessed a $3 check–cashing fee. Members with less than $1,000 in aggregate deposit and / or loan balances will be excluded from the $3 check – cashing fee if the member is less than sixteen years of age (minor) or in the College Advantage Program.
    Debit MasterCard/ATM Card Services Transactions With a Smart Financial Credit Union Card @ SFCU-owned ATM’s - No Charge
    Transactions With a Smart Financial Credit Union Card @ other ATM locations - $2 each
    Replacement Debit MasterCard/ ATM card - $5 each
    Surcharge (terminal fee) free ATM’s – Credit Union Friendly Network locations
    Safe Deposit Box Service (available at our Newcastle, Conroe & Sugar Land offices only) Key Deposit - $25
    Box Size 3" x 5" - $25 annually
    Box Size 3" x 10" - $40 annually
    Box Size 5" x 10" - $60 annually
    Box Size 10" x 10" - $95 annually
    Other Service Fees (applicable to all accounts) Account Inquiry/Transactions by phone - $5 each
    Cashier's Checks payable to Third Party - $5
    Cashier's Checks (On Us Check Conversion) - $5
    Cashier Check Replacement Fee - $30
    Closed Membership / Account (within the first 6 months) - $25
    Coin Roll Order - $0.10 per roll
    Coin Sorter Fee (except 16 and under) - 5% of amount sorted
    Collection Items - Domestic items $20 each
    Currency Strap Order - $0.40 per strap
    Deposit Zipper Bags - $5 each
    Document Copied - $5 each
    Foreign Collection Items - $30 each
    Inactive account fee - $10 per month
    Incorrect Address Fee - $10
    Insufficient ACH Debit - $30 each
    Insufficient Debit MasterCard Transaction - $30 each
    Lost Title Fee - $25
    Money Orders - $2 each
    Night Deposit Bags (disposable) - 50 @ $25
    Non-Member Check Cashing - $5
    Notary Services (Non Member) - $6
    Overdraft Protection Transfer Fee - $2
    Overnight Delivery - $25
    Paid Check Copied - $5
    Paper Statement Fee – $1
    Research and Reconciliation (1 hour min. - $2 / page) – $25
    Return Deposit Item from Member Account on Another Institution - $30
    Returned Deposit Item - $30 per item
    Statement Copied - $5
    Stop Payment Order ACH - $30 each
    Stop Payment Order Check (Branch or Phone) - $30 each
    Stop Payment Order check (Online) - $20 each
    Tax Levies and Garnishments - $50
    Transaction History (up to 90 days) - $5 each
    Verification of Deposit (written - other than SFCU mortgages) - $15
    Wire Transfers - International - $40 each
    Wire Transfers - Outgoing Domestic - $20 each
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