General Fee Schedule
Fees applicable to business and commercial accounts
Effective August 21, 2024
We have minimal fees to help our members save money!
General Fees
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| Service | Fee | Description |
|---|---|---|
| Wire Transfer – Incoming | $0 | None |
| Wire Transfer – Outgoing Domestic | $10 | Per wire |
| Wire Transfer – Outgoing International | $20 | Per wire |
| Wise | Varies | Varies based on currency and amount sent. SFCU does not add an additional fee. |
| Stop Payment | $20 | Per item |
| Account Research | $30 | Per hour (1 hour minimum) |
| Collection Item | $20 | Per item |
| Loan Payment Convenience Fee | $15 | Per item |
| Check Printing | Varies | Based on style |
| SFCU ATM Inquiry/Withdrawal | $0 | No SFCU fee (only other bank's fees); FREE access to Co‐op ATMs |
Overdrawn Account Options
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| Service | Fee | Description |
|---|---|---|
| Non‐Sufficient Funds | $0 | Item returned unpaid |
| Account‐to‐Account Transfer* | $0 | Automatic transfer from member’s account |
| Courtesy Pay/Premium OD* | $20 | Per item over $10, up to 4 per day |
Monthly Business Service Charges
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| Service | Fee | Fee Waived or Reduced |
|---|---|---|
| Business Spending | $0.00 $0.25 per check |
No minimum balance requirement Maximum 50 free check clearings |
| Business Money Market | $10 | Waived with $2,500 minimum daily account balance |
| Inactivity/Dormant Account | $5 | Waived with $2,500 minimum daily account balance |
Small Business Lending Fees
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| Fees | Up to $100,000 | |
|---|---|---|
| Unsecured BLOC | $1,000 | |
| Equipment Loan | $1,000 | |
| Business Auto Loan | $1,000 |
Commercial Real Estate Loan Fees
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| Fees | $50,000- $250,000 |
$250,001- $500,000 |
$500,001- $1,000,000 |
$1,000,001- $2,000,000 |
$2,000,001 or higher |
|---|---|---|---|---|---|
| Underwriting | $250 | $350 | $500 | $750 | $1,000 |
| C&I Documentation | $250 | $350 | $500 | $750 | $1,000 |
| CRE Documentation | $500 | $850 | $1,500 | $2,250 | $3,000 |
| Credit Report | $55 per person | $55 per person | $55 per person | $55 per person | $55 per person |
| Flood Certification | $20 | $20 | $20 | $20 | $20 |
| Wire Transfer | $25 | $25 | $25 | $25 | $25 |
| 4506C | $25 per tax return | $25 per tax return | $25 per tax return | $25 per tax return | $25 per tax return |
| Site Inspection | $250 Bay Area $1,200 out of state |
$250 Bay Area $1,200 out of state |
$250 Bay Area $1,200 out of state |
$250 Bay Area $1,200 out of state |
$250 Bay Area $1,200 out of state |
| Rate Lock Fee | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
Mortgage Loan Fees
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| Fees | $50,000- $250,000 |
$250,001- $1,000,000 |
$1,000,001- $2,000,000 |
$2,000,001 or higher |
|---|---|---|---|---|
| Processing | $795 | $795 | $795 | $795 |
Information and fees are subject to change.
*Must be opted in.
