This Schedule of Fees and Charges is part of your Agreements and Disclosures. Effective date: 08/01/2026. Download the Rate Supplement and Schedule of Fees (PDF).
| Description of Fee | Amount |
|---|---|
| Membership Fee | $5.00 |
| Account Reconciliation | $25.00 |
| ACH Reject | $15.00 |
| ACH Stop Payment | $25.00 |
| Early ACH Posting Fee | $15.00 per item |
| ATM Out of Network Fee | $2.00 |
| Card Replacement Fee | $10.00 |
| Copy of Check | $3.50 |
| Copy of Statement | $5.00 |
| Deposited Returned Item | $15.00 |
| VISA Cash Advance Fee (in branch) | $3.00 |
| Card Payment-by-Phone/Internet Convenience Fee | Based on payment amount |
| History Printout Current Month | $5.00 |
| Foreign Transaction Fee (VISA) | 1.00% |
| IRA Administration Fee (per year) | $8.50 |
| Levy or Garnishment | $30.00 |
| Dormant Account Fee | $2.00 monthly |
| Escheat Notice Fee | $2.00 |
| Non Member Check Cash Fee | $5.00 |
| Notary Fee | $10.00 |
| Official Bank Check | $5.00 |
| Overdraft Check | $15.00 |
| Overdraft Transfer Fee: From Share Account | $2.00 |
| Overdraft Transfer Fee: From Loan Account | $15.00 |
| Returned Mail Fee | $5.00 |
| Statement Mailing Fee: Share Statement (waived if conditions are met) | $2.00 quarterly |
| Statement Mailing Fee: Checking Statement (waived if conditions are met) | $5.00 monthly |
| Stop Payment Fee | $25.00 |
| Skip-A-Pay Fee | $25.00 |
| Temporary Checks (set of 4) | $5.00 |
| Wire Incoming | $10.00 |
| Wire Outgoing Domestic | $25.00 |
For current dividend rates and Annual Percentage Yields (APY), see our Rates page. Rates may change at any time as determined by our Board of Directors.
Questions? Call us at 805-682-3357 or visit us at 2623 De La Vina St, Santa Barbara, CA 93105.