The Southern Federal Credit Union

Headquarters: Fayetteville, Georgia
Charter: Credit Union
Assets: $560.2M
Fed district: Atlanta

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Basic Checking $0 · Checking Plus $5
Compared at $2.50, the middle of its prices
The Southern Federal Credit Union: $0 to $5
The Southern Federal Credit Union: $0 to $5
U.S. median: no median
Overdraft (OD)
The Southern Federal Credit Union: $35
The Southern Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
The Southern Federal Credit Union: $1.50 to $5
The Southern Federal Credit Union: $1.50 to $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from The Southern Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly maintenance feesNo charge
per month
Monthly maintenance fee (accounts falling below $750)$5
per month
Inactivity Fee (per month after 24 months without activity)$5
per month
Account reconciliation or account research per hour$35
Not compared: Charged per hour; comparison unavailable
per hour
Excessive withdrawal fee for Money Market Savings account withdrawals in excess of 6 per month$10
per item
Return Mail$5
per month

Overdraft & NSF

Overdraft Privilege (OSP) Standard or Extended Coverage$35
per item
Negative Balance Fee$15

ATM & Card

ACH or ATM$5
ATM transactions (at non-TSCU machines) in excess of three transactions per month$1.50
per item
Automated Teller Machine (ATM) transactions (at non-TSCU machines)$1.50
per item
VISA® Card (EMV) Replacement Fee$10
per item
VISA® Card Replacement Fee$5
per item
VISA® Card Expedited Delivery Fee$70
per item
VISA® Card PIN Mailer Expedited Delivery Fee$70

Wire Transfers

Outgoing domestic wire transfers 3:00 PM Eastern Time cut-off$15
Incoming wire transfers$10
Outgoing international wire transfers 12:00 PM Eastern Time cut-off$45

Check Services

Official check$5
Money orders$3
Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year)$35
per item
Collection fee$15
Collection Fee$15
Collection Fee/Foreign Check Presentment$30
Copy of original share drafts$3
per item
VISA® Convenience Check Copy Fee$3
per item

Cash & Deposit

VISA® Cash Advance Fee$5

Account Services

Notary ServiceNo charge
Safe Deposit Box 10 x 10 x 24$125
per year
Safe Deposit Box 10 x 10 x 24$125
Safe Deposit Box 3 X 10 X 24$50
per year
Safe Deposit Box 3 X 10 X 24$50
Safe Deposit Box 3 X 5 X 24$30
per year
Safe Deposit Box 5 X 10 X 24$70
per year
Safe Deposit Box 5 X 10 X 24$70
Safe Deposit Box 5 X 5 X 24$40
per year
Safe Deposit Box 5 X 5 X 24$40
Safe Deposit Box 7 X 10 X 24$75
per year
Safe Deposit Box 7 X 10 X 24$75
Safe Deposit Box Drilling Fee$250
Not compared: Box drilling or key fee
Safe Deposit Box Late Payment Fee (after 30 days)$10
Not compared: Box drilling or key fee

Lending Fees

Late charge (audience not stated, treated as personal)10%
Late charge10%

Retirement & IRA

IRA Transfer Fee$25

Gift & Prepaid Cards

Reload Fee$1
per item
VISA® Gift Card$3
per item

Other Fees

Copies of account statements$5
Interim account statement printouts$2
VISA® Sales Slip Copy Fee$8
per item
Skip payment processing fee$25

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Monthly maintenance fees	No charge	per month	None
Monthly maintenance fee (accounts falling below $750)	$5	per month	None
Inactivity Fee (per month after 24 months without activity)	$5	per month	None
Account reconciliation or account research per hour	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive withdrawal fee for Money Market Savings account withdrawals in excess of 6 per month	$10	per item	None
Return Mail	$5	per month	None
Overdraft & NSF
Overdraft Privilege (OSP) Standard or Extended Coverage	$35	per item	None
Negative Balance Fee	$15	Not stated	None
ATM & Card
ACH or ATM	$5	Not stated	None
ATM transactions (at non-TSCU machines) in excess of three transactions per month	$1.50	per item	None
Automated Teller Machine (ATM) transactions (at non-TSCU machines)	$1.50	per item	None
VISA® Card (EMV) Replacement Fee	$10	per item	None
VISA® Card Replacement Fee	$5	per item	None
VISA® Card Expedited Delivery Fee	$70	per item	None
VISA® Card PIN Mailer Expedited Delivery Fee	$70	Not stated	None
Wire Transfers
Outgoing domestic wire transfers 3:00 PM Eastern Time cut-off	$15	Not stated	None
Incoming wire transfers	$10	Not stated	None
Outgoing international wire transfers 12:00 PM Eastern Time cut-off	$45	Not stated	None
Check Services
Official check	$5	Not stated	None
Money orders	$3	Not stated	None
Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year)	$35	per item	None
Collection fee	$15	Not stated	None
Collection Fee	$15	Not stated	None
Collection Fee/Foreign Check Presentment	$30	Not stated	None
Copy of original share drafts	$3	per item	None
VISA® Convenience Check Copy Fee	$3	per item	None
Cash & Deposit
VISA® Cash Advance Fee	$5	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Safe Deposit Box 10 x 10 x 24	$125	per year	None
Safe Deposit Box 10 x 10 x 24	$125	Not stated	None
Safe Deposit Box 3 X 10 X 24	$50	per year	None
Safe Deposit Box 3 X 10 X 24	$50	Not stated	None
Safe Deposit Box 3 X 5 X 24	$30	per year	None
Safe Deposit Box 5 X 10 X 24	$70	per year	None
Safe Deposit Box 5 X 10 X 24	$70	Not stated	None
Safe Deposit Box 5 X 5 X 24	$40	per year	None
Safe Deposit Box 5 X 5 X 24	$40	Not stated	None
Safe Deposit Box 7 X 10 X 24	$75	per year	None
Safe Deposit Box 7 X 10 X 24	$75	Not stated	None
Safe Deposit Box Drilling Fee	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Payment Fee (after 30 days)	$10Not compared: Box drilling or key fee	Not stated	None
Lending Fees
Late charge (audience not stated, treated as personal)	10%	Not stated	None
Late charge	10%	Not stated	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Gift & Prepaid Cards
Reload Fee	$1	per item	None
VISA® Gift Card	$3	per item	None
Other Fees
Copies of account statements	$5	Not stated	None
Interim account statement printouts	$2	Not stated	None
VISA® Sales Slip Copy Fee	$8	per item	None
Skip payment processing fee	$25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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