Personal Fee Schedule

Personal Deposit Account Fees
Account balancing assistance (per hour) $25.00
Account research/ Account printout or document copy(per item - if less than 1 hour) $5.00
Account research (per hour) $25.00
Account verification (deposit or loan) $10.00
ATM transactions at Security Federal machine Free
ATM transactions at another bank’s machine $2.00¹
Bank-to-bank transfers- Incoming ($1000 maximum limit) Free
Bank-to-bank transfers- Outgoing per transfer fee ($1000 maximum limit) $1.00
Cashier’s check $3.00
Chargeback (return deposited item) $10.00
Chargeback (return deposited item) - special handling $15.00
Check images with statements (per account/month) $2.00
Christmas Club early closeout fee $10.00
Close account within 90 days of opening $25.00
Collection item - Canadian $25.00
Collection item - domestic $20.00
Collection item – foreign $75.00
Deposit ticket improperly encoded $5.00
Dormant account (per month)² $5.00²
Foreign currency (purchased or redeemed) $25.00
iPay Person to Person ( per transaction) $1.00
iPay Gift Charge ( per transaction) $2.99
Money market and Savings debits > 6 debits/cycle (per debit) $3.00
Continuous Overdraft Charge (Overdraft exceeding 10 business days - per day) $5.00
Overdraft Fee3 $35.00³
Overdraft transfer fee (per transfer) $5.00
Non-sufficient Funds (NSF) - Returned Item Fee Up to $35
Photocopies (per page) $0.25
Redeposit $10.00
Replace ATM or Debit card $10.00
Returned mail fee (per month) $5.00
Statements - Electronic Free
Statements - Paper (per account, per month) $3.00
Stop payment $35.00
Tax levies and garnishments up to $100.00
Wire transfer – incoming $16.00
Wire transfer – outgoing $20.00
Wire transfer - foreign incoming $20.00
Wire transfer – foreign outgoing $50.00
Safe Deposit Boxes4
3x5 (fee per year) $30.00
5x5 (fee per year) $40.00
3x10 (fee per year) $50.00
10x10 (fee per year) $120.00
Late payment charge $10.00
Lost key/Replacement key $100.00
Drilling fee $150.00

¹ Per ATM transaction after 2 per month (other bank may impose an ATM surcharge)

² After 12 months of inactivity for checking and after 24 months of inactivity for savings and money market accounts

³ Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means

4 The contents of your safe deposit box are not insured against loss by Security Federal Bank or FDIC. You may wish to obtain your own insurance on the contents of your box.

Effective 06/01/2021. Bolded items were revised.