Southwest Kansas
Credit Union
The Little Credit Union
With the BIG Heart
Tag Line

Fees & Charges

Statement of Fees and Charges

You must keep a complete payment of one share in your Regular share account as a condition of admission to membership. If the balance of your Regular Share Savings account falls below $5.00 you may be terminated from membership.

Transaction Limitation

We reserve the right to at any time require a notice of not less than seven (7) days in writing before withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of Dividends

Dividends are paid from the current income and available earnings, after required transfers to reserves at the end of a dividend period.


National Credit Union Share Insurance Fund

Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Savings Account Fees
To open a savings account $5.00 minimum deposit
Unknown Address Fee $3.00 each occurance
Savings Account Withdrawals   (after 6 withdrawals in the same month) $1.50 each transaction
Dormant Account Fee  (An account with less than $100.00 and no activity for 1 year) $5.00 per month
Below Share Value Fee  (Any month in which the share account balance falls below $5.00) $2.00 per month
Deposited check/ACH returned unpaid $10.00 each item
Checking Account Fees
To Open a Checking Account $100.00 minimum deposit
Copy of Cancelled Check $2.00 each item
Check Cashing Policy

(fee waived if you have an active share draft account or current loan.)

per $100

Maximum fee of:
Stop Payment on a Check/ACH  (Must Sign Form) $16.00
Insufficient Checks  (Paid or returned) $25 each
Dormant Checking Account Fee  (An account with no activity within 12 months) $3.00 per month
Automatic transfer of funds from an account to prevent an overdraft
This fee will be applied against the account the funds are being transferred to.
$4.00 per day/unlimited
Wire Transfer Fees
Wiring Fee thru Millennium Corporate Credit Union
International Transfers thru MCCU
(Service is for members only)
*if wire is returned, second wire fee will be charged to resend
Incoming Wire Transfer $5.00 each wire
Other Fees
Notary Service for Non-members $8.00each document
Account Activity Printout $1.00/pageper page
Copy of Account Statement (open or closed account) $2.00 per page
Late Loan Payment Fee (5% of payment after 10 days) $2.50
Credit Union Checks payable to others
(payable to other than member/joint owner
Mailing Services (business envelopes only) $1.00each - postage included
Closing Account within three (3) months of opening $10.00
Re-Opening Account within three (3) months of closing $10.00
Garnishment or Tax Levy Fee $10.00 per occurance
Collection Item (checks being held to cash) $10.00/item each
Account Reconciliation/Research Fee (one hour minimum) $10.00 per hour
Visa Gift Cards $3.00 per card
Visa Personalized Reloadable Debit Card $3.00 per card
Visa Card Reload Fee $1.00 per transaction
© 2014- Southwest Kansas Community Credit Union | 212 E Frontview, Suite C | Dodge City, KS 67801 | Phone: (620) 225-5625 | Fax: (620) 225-3577

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