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Fee Schedule

All fees subject to change without notice.

Fee Schedule
Effective Date: Effective: June 1, 2020
Fee TypeFee Description/DetailAmount
Membership Fees
Membership Fee (Non-refundable)* Individual/Family $10.00
Immediate family members including husband, wife, and children up to 18 years of age are entitled to join at no additional fee.
Membership Fee (Non-refundable)* Leilehua High School (Must join at the High School Credit Union) $1.00
Savings Account Fees
Minimum Balance To avoid Service Charge Fee $5.00
Monthly Service Charge Fee If the minimum balance is not maintained $2.00
Early Closure Fee Accounts closed within the first 90 days $25.00
Checking Account Fees
Minimum Balance No minimum balance None
Monthly Service Charge Fee No monthly service fee None
NSF (Insufficient) Fee Per Item $25.00
Check Order Fee Prives vary depending on style Varies
Transfer from Shares/Savings Transfer to NSF Checking Account (per item) $10.00
Stop Payment Fee Per Item $25.00
Copy of Paid Check by Fax/Mail Per Item $2.00
Other Service Fees (Applicable to all accounts)
Account History Printout Fee Per Page $1.00
Account Reconciliation Fee Per Hour $10.00
Account Research Fee Per Hour $10.00
ACH Return Item Fee Per Transaction $25.00
ACH Stop Payment Fee Per Item $25.00
Automatic Check Withdrawal to Third Party Per Check $3.00
Copy of Documents Per Page $0.25
Debit Card Replacement/Rush Fee Per Card $20.00
Deposited Item Return Fee Per Item $25.00
Dormant Account Fee assessed after No member transactions for 60 months (5 years) 300.00*
Fax Fee Per Page $1.00
Legal Document Processing Fee Per legal order (Levy, Garnishment, Subpoena) $20.00
Money Order Fee Member $3.00
Money Order Fee Shared Branching/Non-Members $5.00/$20.00
Monthly Statement Copy   $5.00
Notary Fee Member Free
Notary Fee Non-Member (per seal) $10.00
Return Mail Fee Per Item $1.00
SFCU Check Members - One check free (per day), each additional check $1.00
  Shared Branching Members - one check free (per day), each additional check $5.00
  Non-Members ($5,000 maximum - 1 Check per day) $20.00
  Stop Payment Fee (per check) $25.00
  Auto Check withdrawal from account (per check) $3.00
Travelers Checks Fee 1% of purchased amount (fee waived if share/savings account balance is at least $2500) Varies
Prepaid Cards Instant issue purchase fees  
Gift Cards Purchase fee waived if share/savings account balace is at least $2500 after transaction $2.00-$6.95
Reloadable Card No monthly fee with Direct Deposit $5.50-$9.50
  SFCU reload fee for Travel and Reloadable Cards $4.00
Western Union Fee Member (per transaction/international varies) $25.00
Western Union Fee Non-Member (per transaction/international varies) $35.00
Wire Fee (Outgoing) Member (per wire/international varies) $25.00
Wire Fee (Outgoing) Non-Member (per wire/international varies) $35.00
Wire Fee (Incoming) Member No Fee
Wire Fee (Incoming) Non-Member (per wire) $20.00
Automatic Teller Machine (ATM) Fees
Withdrawal Transaction Fees Schofield Federal Credit Union and Bank of Hawaii ATMs No Fee
Withdrawal Transaction Fees Non-Schofield FCU and Non-Bank of Hawaii ATMs $1.00
International Transaction Fee   1% of withdrawal amount

*Hawaii statutes require that after 5 years of inactivity and no member contact, any account balances must be turned over to the State of Hawaii. Activity does not include Credit Union initiated transactions such as dividend payments, service charges, etc.

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