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
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

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.