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 |
5% 10% |
| 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 |
| Online Loan Payment to Service 1 FCU Using External Account† | $4.95 |
| 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 em>(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 |
| Mobile Check Deposit§ | FREE |
| Online Bill Payment (unlimited basic services**) | FREE |
| Statement Copies (up to 18 months available) | FREE |
*Lakes Mall Branch only
†Making a payment using the third-party payment service can be accessed using "Pay My Loan" in the Service 1 FCU mobile app or via the orange "Pay Online" button at www.service1fcu.com.
‡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 May 2023.
