Disclosures & Fees
In order to use Smart Branch, our electronic home banking system, you must first sign a home banking disclosure and agreement.
Contact us and we can mail you the form, stop by our office, or click here.
For our current Truth-in-Savings or Truth-in-Lending information, please contact the credit union at
(248) 557-2266, or by e-mailing mhansen@smsefcu.com.
Schedule of Fees
| Share Savings Accounts | ||
| Less than $100 average daily balance | $3.00 per quarter | |
| Automatic Payment (ACH) NSF | $20.00 | |
| Returned Item/Check | $20.00 | |
| Share Draft Checking Account | ||
| Less than $100 average daily balance | $3.00 per month | |
| Stop payment request | $23.00 | |
| NSF (Non-Sufficient Funds) Draft/Check | $20.00 | |
| Automatic Payment (ACH) NSF | $20.00 | |
| Overdraft Privilege* | $20.00 | |
| Returned Item/Check | $20.00 | |
| Overdraft Transfer | $1.00 | |
| Certifed Draft/Check | $5.00 | |
| Draft/Check Copy | $2.00 | |
| Staff Assistance/Reconciliation | $20.00 per hour | |
| ATM/Debit Cards** | ||
| Replacement Card | $5.00 | |
| Replacement PIN | $5.00 | |
| Returned Item/Check | $20.00 | |
| ATM/Debit Overdraft | $20.00 | |
| First 6 (six) Monthly Transactions | Free | |
| After the first six ATM/Debit transactions these fees apply: | ||
| Withdrawal | $1.00 | |
| Balance Inquiry | $ .50 | |
| Transfer | $ .50 | |
| Incomplete Transactions | $ .50 | |
| Deposit*** | Free | |
| POS (Point-of-Sale) Transaction | Free | |
| Loans | ||
| Payments 15 or more days late - 5% of overdue payment | $10 Min / $100 Max | |
| Visa Credit Card | ||
| Replacement Card | $25.00 | |
| Late Payment | $25.00 | |
| Return Payment | $25.00 | |
| Other Fees | ||
| Non-Member Check Cashing | $2.00 per check | |
| Service Center Withdrawals/Transfers (3 Free per Month) | $2.00 | |
| Automatic Debit (ACH) Stop Payment Request | $23.00 | |
| Statement Copies | $2.00 per page | |
| Account History Printout | $2.00 | |
| Hold for Member Pick-up | $5.00 | |
| Closing an IRA Without a Direct Transfer | $25.00 | |
| Escheats | $10.00 | |
| Telephone Inquiries and Transactions (not via SmartTeller) | $1.00 | |
| Super Saver Excess Withdrawal (2 Allowed per Month) | $10.00 | |
| Christmas/Vacation Club Excess Withdrawal (2 Allowed per Year) | $10.00 | |
| 2-Party Corporate (Cashier's) Check | $2.00 | |
| Closing Account Open Less Than 6 Months | $10.00 |
*This privilege for checking accounts will be limited to a maximum of $500 overdraft (negative)balance. Any and all fees and charges, including without limitation the non-sufficient funds fees, will be included as part of this maximum amount. This service is a discretionary courtesy and not a right of the member or an obligation of SMSE Federal Credit Union.
**ATMs are privately owned, and the owner of the machine may charge seperate and additional fees to users.
*** All ATM deposits are subject to a 3-day hold.
