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Service Fees

Understanding Account Fees

Account fees are assessed when unfavorable transactions occur on your accounts. These fees are assessed to cover any costs due to VSECU and/or are associated with additional account maintenance resulting from the transaction. Assessing these fees on an individual basis allows us to continue to return the best rates to the membership as a whole. You may be able to reduce or eliminate some fees with our Member Rewards Program.

Action Fee
Overdraft Protection Transfer $3 each
Returned Statement $5 – future mailings suspended until address is corrected
Excessive Transactions
(for Savings Accounts)
$5 each
Non-Sufficient Funds (NSF)/Overdrafts (applies to non-sufficient funds or overdraft items created by check, in-person and ATM withdrawal, or other electronic means) $25 per NSF item returned or per Overdraft item paid
Uncollected Funds $25 per item, paid or returned
Closed Membership $20 if closed within 90 days
Inactive Checking Account $5 per month if no activity on checking account for 365 days & end-of-month balance is less than $100
Single Service Fee (Applies to members who have only a Share Savings account and no other accounts or joint relationship accounts at VSECU, with less than a $100 end-of-month balance in the Share Savings account. Members under age 21 and over age 65 are excluded.) $5 per month (if applicable)