• Fraud Alert: St. Paul Federal Credit Union will never ask for your one-time passcode, verification code, or online banking authentication code. If you receive a call, text, or email asking for this information, do not provide it. Contact us directly if you have concerns about your account security.

Fees Effective August 1, 2016

ServiceRelated Fee
Replace ATM Card or PIN $10.00
Replace Debit Card or PIN $10.00
Rush Fee (letters, debit/credit cards, pins, checks, etc.) $50 each
Check Printing Style Dependent
Cashiers Check $5 
Reissue of Cashiers Check $5
Money Order ($1,000 maximum per item) $3
Non-Member Check Cashing (on us only) $5
Overdraft (each overdraft paid) $33
Non-Sufficient Funds (each item) $33
Deposited Checks Returned Unpaid (each item) $33
Account Activity Printout (free on eBanking) $5
Account Research & Balancing Assistance ($30 min) $30 per hour
Copy of Statement (free on internet) $5
Copy of Cleared Check (free on internet) $5
Imaged Documents (per page)$5
Bill Pay—Free with Checking Account FREE
Loan Payment made via —Debit/Credit Card/ACH/Electronic Check $10
Stop Payment $33
Wire Transfer—Incoming$5
Wire Transfer—Outgoing Domestic $25
Wire Transfer—Outgoing International $55
Garnishments $75
Executions $75
Levies $75
Collection Item $30
Coin Counting (no matching funds) 1% of balance
Early Membership Closure Fee (if closed within 90 days) $5
Real Estate Verifications from Another Institution $25 each
Photocopies $.25 per page
Late Fee on Consumer Loans & Home Equity Loans1 greater of 5% of P&I or $25
Loan Coupon Printing $10
Late Fee on Mortgage Loans2 5% of P&I payment
Inactive Account3 $10 per month
Undeliverable Mail $10 per item
Overnight Mail Price Varies
Duplicate Mortgage Satisfaction $25
Mortgage Subordination $150
Duplicate Lien Release $15
Rolled Coin $.10 per roll
Prepaid Visa Card Price Varies
IRA Closing Fee $30
International Check Deposit (Payable in US Currency) $35
Currency Deposit Fee $0.20 per $100 deposited over $10,000 per month
Electronic Services Fees See eBanking Service Agreements
Skip A Payment – Single Payment Skip $35
Skip A Payment – Single Loan Package $75
Visa Platinum Credit Card Fees See Visa Disclosures

We reserve the right, at anytime, to require not less than seven days notice, in writing, before each withdrawal from a dividend bearing account, other than a share certificate.

Federal Regulations allow no more than six electronic withdrawals from a Savings Account per calendar month.

Footnotes

  1. 7 day grace period from due date ↩︎
  2. 15 day grace period from due date ↩︎
  3. If account has had no transactions in one year, a balance under $100.00 and the member is over 21 ↩︎