Most services are offered as no-cost benefits to membership in the Service 1 FCU family. Select services do incur a fee to cover the cost of providing the service; a schedule of these fees is available below. Questions about a service or associated fee can be directed to a Member Service Representative—we’re happy to help!

Service Fees

Account Research/Reconciliation (per hour) $25.00
Accounts Closed Within 90 Days of Opening $5.00
ATM Inquiries (after 2 free per month) $1.00
ATM Transfers (after 4 free per month) $1.00
ATM Withdrawals (after 4 free per month) $1.00
Check Copy (per check) $5.00
Christmas Club Early Withdraw (per occurrence) $5.00
Coin Machine*
- Members
- Non-members

Corporate Drafts (per item) $2.00
Card Replacement (debit or credit) $10.00
Deposited Check Return (per item) $15.00
Dormancy (per month after 1 year with no account activity; exempt if under 18 or aggregate balance over $500) $5.00
Early On-Demand ACH Posting $10.00
Foreign Item $10.00
Garnishment, Levy, Subpoena, Escheatment $50.00
IRA Transfer (from Service 1 FCU to another financial institution) $25.00
Late Title (after 30 days) $30.00
Money Orders (per item) $2.00
Non-Sufficient Funds (NSF) Non-Return (per presentment) $25.00
Non-Sufficient Funds (NSF) Return (per presentment) $25.00
On-Us Check Cashing - Non-members $5.00
Overdraft Protection Transfer (per occurrence) $3.00
Phone Transfers with Member Service Representative $2.00
Reaffirmation (reopening closed share account) $5.00
Redeposit Check (per item) $15.00
Returned Mail $5.00
Safe Deposit Box Drilling $225.00
Safe Deposit Box Lost Key $30.00
Temporary Checks (per sheet of 4) $2.00
Statement Copies (per month) $5.00
Stop Payment (per item or consecutive series) $25.00
Visa Gift Cards $4.00
Wire Transfers (incoming) $5.00
Wire Transfers (outgoing domestic wires only) $25.00

FREE Online Banking Services

A2A (account-to-account transfers within It'sMe247 Online Banking) FREE
Account Transfers FREE
Check Copies (up to 6 months available) FREE
Loan Payments in It'sMe247 Online Banking (using S1FCU savings or checking account) FREE
Mobile Check Deposit§ FREE
Mobile Wallet featuring Apple Pay, Google Pay and
Samsung Pay
Online Bill Payment (unlimited basic services**) FREE
Statement, Receipts, and Other Document Copies (up to 18 months available) FREE

*Lakes Mall Branch only

Shell Knob location only

§Qualifications apply

**Optional bill payments expedited services available for a fee disclosed at time of service

All fees are subject to change without notice. To receive a copy of the current Service 1 FCU fee schedule, please contact any Member Service Representative at (800) 879-9697 or [email protected]. Fees outlined above are effective as of April 2024.