Account Access 
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Open an AccountIn Touch Electronic Services
| Service | Cost |
|---|---|
| SECNY InTouch, Allpoint, or MoneyPass ATMs | Surcharge-Free Transactions |
| Non-SECNY InTouch, Allpoint,or MoneyPass ATMs | $2 per withdrawal |
| Non-SECNY InTouch, Allpoint, or MoneyPass ATMs | $1 per inquiry |
| Debit Card Replacement Fee | $15 |
| Credit Card Replacement Fee | $15 standard/$75 expedited |
| ATM Transfer | No Charge |
| Point-of-Sale | No Charge |
| International ATM/Debit Transaction | $2.00 + Foreign ATM Fee and 1% of the withdrawal |
| International Point of Sale | 1% of the transaction Total |
| Online Banking Login Reset | 1 FREE per calendar month, $1 per request after |
| Online Bill Pay | No Charge (must pay at least one bill per quarter on system) OR subject to $10 deactivation fee |
| Online Bill Pay Overnight Check | $20.00 |
| Online Bill Pay "Same Day" Bill Payment | $12.00 |
| Online Bill Pay Stop Payment | $30 per stop payment |
| Online Bill Pay NSF (Non-Sufficient Funds) | $28.00 per item |
| Zelle® "Send" |
No Charge |
| Zelle "Request" |
No Charge |
| Zelle Stop Payment |
$25.00 per stop payment |
Account Services:
| Service | Cost |
|---|---|
| Monthly Account Maintenance | No Charge |
| NSF (Non-Sufficient Funds) | $28 per item |
| Returned Item Fee | $28 per item |
| Courtesy Pay Fee | $28 per item |
| Stop Payment Fee | $25 per item |
| Stop Payment (Cashier’s Check) | $25 per item |
| Share Drafts/Checks | Price varies w/style |
| Per Item Charge | No Charge |
| Auto Transfer Fee | $5 per transfer |
| Late Clearing Fee | $28 per item |
| Inactive Account Fee (after 1 year) | $10 per month |
| Paper Statement Fee (effective 1/1/2022) | $1 per statement (waived for Business Accounts, HSAs or if primary account holder is under age 18 OR over age 60) |
| Cash Management Accounts | $10 per month (If average daily balance is less than $2,000) |
| OnUs Check Cashing (non-member) | No longer available effective 10/13/22 |
Other Services:
| Service | Cost |
|---|---|
| Direct Deposit | No Charge |
| Payroll Deduction | No Charge |
| Share Account Withdrawal | No Charge |
| Certificate Early Surrender Service |
$25 plus: Terms less than 1 yr: 180 days’ dividends Terms 1 yr or greater: 365 days’ dividends |
| Account Reconciliation | $30 per hour |
| Account Research | $30 per hour |
| Account History Printout | $5 per page |
| Draft/Check Copy | $5 per copy |
| Statement Copy Fee | $5 per statement |
| Check Protest | $30 per check |
| Line of Credit Check NSF/Overlimit | $28 |
| Canadian Check Processing Fee | $10 |
| All Other Foreign Check Collection | $25 |
| Issue Cashiers Check | $2 per check (if payable other than to self) |
| Deposited Item Return Fee | $28 per item |
| Negative Account Charge | $25 per item |
| Wire Transfer Fee (outgoing) | $30 per wire |
| International Wire Transfer | $50 per wire |
| Legal Processing Fee (garnishments, tax levies, etc.) |
$75 per request |
| Notary Service | No Charge (for members) $2 (for non-members) |
| UCC Filings | $50 |
| Subordination Fee | $150 |
| Mortgage Discharge | Varies per mortgage |
| Mortgage Payoff Request | $30 |
| Skip Pay Annual Participation | $40 |
| Account Closed (within 90 days of opening) | $30 |
| Escheatment/Abandoned Property | $50 |
| IRA Transfer Fee | $40 |
| IRA Account Closed (within 1 yr. of opening) | $40 |
| Coin Machine (member use) | 6 cents per dollar |
| Coin Machine (non-member use) | 25 cents per dollar |
| Return Mail Fee | $4 per item |
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