Fee Schedule

We have the financial solutions to help you meet your goals.

Learn about our schedule of fees for a variety of services.

Share Account Fees
Christmas club early withdrawal$10 if closed prior to 10/1
Summer savings early withdrawal5% of balance if closed before 6/15
Share Draft Fees
NSF fee$28 per item returned
NSF fee$23 per item covered same day
Wire Transfer & Card Fees
Wire Transfer (incoming)Pass-thru fee only
Wire Transfer (outgoing)$20 per transfer
Wire Transfer (international - outgoing)$30 per transfer
Western UnionPass thru fee only
Western Union InternationalPass thru fee only
Gift Cards - Visa$2.50
Gift Cards - American Express$3.95
Incidental Replacement of Debit and/or Credit Cards$10 each
Re-issue of Debit and/or Credit CardsNone
ATM Withdrawal Fee2 Free a month, $1 per transaction after that
Other Fees

Dormant Accounts*

$5 per quarter regardless of balance

Stop payment$25 per item
Account research$15 per hour
Check copy$2 each
Return ACH$25
Return Deposit$10 per item
Home Banking - Bill Payment$5 per month for unlimited transactions
Certified Check/Money Order$1
Special Delivery/Handling Mail to MembersPass thru fee only
Third Party Checks Fee1 Free a day,$1 per check after that
Return Mail for Incorrect Address$5.00 one time charge

*Cecil County School Employees’ Federal Credit Union considers an account dormant when there has been no deposit or withdrawal on the account for a period of 6 months.  At that time, dormancy notices are sent to inform you of your account status and a dormant account fee is assessed each quarter your account is dormant (see Rate & Fee Schedule for details). You can reactivate your account by making a deposit or withdrawal at least once every 6 months.  If you fail to respond to our notices after 3 years of account dormancy, Maryland State Law requires us to send all funds in your account to the State of Maryland as abandoned property.  The reclaim your property, you must submit a request to the Unclaimed Property Unit of the State of Maryland.