Southeastern Federal Credit Union

Headquarters: Valdosta, Georgia
Charter: Credit Union
Assets: $440.7M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Southeastern Federal Credit Union: $32
Southeastern Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Southeastern Federal Credit Union: $32
Southeastern Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Southeastern Federal Credit Union: $1
Southeastern Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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 Southeastern Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance$5
per month
Account Closing Fee$10
Dormancy Fee$5
per month
Account Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Classic Checking Paper Statement Fee$3.50
per month
Return Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Share Draft Insufficient/Uncollected Funds - Overdraft Privilege (ODP)$32
per item
Share Draft Insufficient/Uncollected Funds - Returned (NSF)$32
per item

ATM & Card

Foreign ATM Fee$1
Replacement Debit / Credit Card Fee$15
per item

Wire Transfers

Wire Transfer (Outgoing Fee)$20
per item
Wire Transfer (Incoming Fee)$10
per item

Check Services

Money Order Fee$3
per item
Stop Payment Fee$35
per item
Collection Item Fee$32
per item
All Accounts Copy of Paid Draft Fee$3
per item

Cash & Deposit

Credit Card Balance Transfer and Cash Advance Fee3%
Credit Card Balance Transfer and Cash Advance Fee (audience not stated, treated as personal)3%
Deposited Item Return Fee-First Return for NSF$5
per item
Deposited Item Return Fee-Returned for NSF Second Time Or For Any Other Reason$32
per item

Account Services

Safe Deposit Box$150
Not compared: Box drilling or key fee
per year
Safe Deposit Box 10x10 (audience not stated, treated as personal)$70
per year
Safe Deposit Box 3x10 (audience not stated, treated as personal)$30
per year
Safe Deposit Box 3x5 (audience not stated, treated as personal)$20
per year
Safe Deposit Box 5x10 (audience not stated, treated as personal)$40
per year
Safe Deposit Box Fees Rental (annual): Lost key$75
Not compared: Box drilling or key fee
per year
Legal Process Fee (Lien, Levy, etc)$20
Not compared: Charged per hour; comparison unavailable
per hour
Verification of Deposit by Fax Fee$3
per item

Lending Fees

Credit Card Late Payment Fee$15

Other Fees

Fax Fee$3
per item
Statement Copy Fee$3
per item
Loan Payment by Telephone$9.99
per item

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance	$5	per month	None
Account Closing Fee	$10	Not stated	None
Dormancy Fee	$5	per month	None
Account Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Classic Checking Paper Statement Fee	$3.50	per month	None
Return Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Share Draft Insufficient/Uncollected Funds - Overdraft Privilege (ODP)	$32	per item	None
Share Draft Insufficient/Uncollected Funds - Returned (NSF)	$32	per item	None
ATM & Card
Foreign ATM Fee	$1	Not stated	None
Replacement Debit / Credit Card Fee	$15	per item	None
Wire Transfers
Wire Transfer (Outgoing Fee)	$20	per item	None
Wire Transfer (Incoming Fee)	$10	per item	None
Check Services
Money Order Fee	$3	per item	None
Stop Payment Fee	$35	per item	None
Collection Item Fee	$32	per item	None
All Accounts Copy of Paid Draft Fee	$3	per item	None
Cash & Deposit
Credit Card Balance Transfer and Cash Advance Fee	3%	Not stated	None
Credit Card Balance Transfer and Cash Advance Fee (audience not stated, treated as personal)	3%	Not stated	None
Deposited Item Return Fee-First Return for NSF	$5	per item	None
Deposited Item Return Fee-Returned for NSF Second Time Or For Any Other Reason	$32	per item	None
Account Services
Safe Deposit Box	$150Not compared: Box drilling or key fee	per year	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$70	per year	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box Fees Rental (annual): Lost key	$75Not compared: Box drilling or key fee	per year	None
Legal Process Fee (Lien, Levy, etc)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Verification of Deposit by Fax Fee	$3	per item	None
Lending Fees
Credit Card Late Payment Fee	$15	Not stated	None
Other Fees
Fax Fee	$3	per item	None
Statement Copy Fee	$3	per item	None
Loan Payment by Telephone	$9.99	per item	None

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

Account Maintenance

Classic Business Checking Account - Minimum Balance Fee$12
per month
Minimum Balance$5
per month
Account Closing Fee$10
Dormancy Fee$5
per month
Account Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Classic Checking Paper Statement Fee$3.50
per month
Return Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Share Draft Insufficient/Uncollected Funds - Overdraft Privilege (ODP)$32
per item
Share Draft Insufficient/Uncollected Funds - Returned (NSF)$32
per item

ATM & Card

Foreign ATM Fee$1
Replacement Debit / Credit Card Fee$15
per item

Wire Transfers

Wire Transfer (Outgoing Fee)$20
per item
Wire Transfer (Incoming Fee)$10
per item

Check Services

Money Order Fee$3
per item
Stop Payment Fee$35
per item
Collection Item Fee$32
per item
All Accounts Copy of Paid Draft Fee$3
per item

Cash & Deposit

Credit Card Balance Transfer and Cash Advance Fee3%
Deposited Item Return Fee-First Return for NSF$5
per item
Deposited Item Return Fee-Returned for NSF Second Time Or For Any Other Reason$32
per item

Account Services

Safe Deposit Box$150
Not compared: Box drilling or key fee
per year
Safe Deposit Box Fees Rental (annual): Lost key$75
Not compared: Box drilling or key fee
per year
Legal Process Fee (Lien, Levy, etc)$20
Not compared: Charged per hour; comparison unavailable
per hour
Verification of Deposit by Fax Fee$3
per item

Lending Fees

Credit Card Late Payment Fee$15

Other Fees

Fax Fee$3
per item
Statement Copy Fee$3
per item
Loan Payment by Telephone$9.99
per item

Fee	Amount	Basis	Note
Account Maintenance
Classic Business Checking Account - Minimum Balance Fee	$12	per month	None
Minimum Balance	$5	per month	None
Account Closing Fee	$10	Not stated	None
Dormancy Fee	$5	per month	None
Account Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Classic Checking Paper Statement Fee	$3.50	per month	None
Return Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Share Draft Insufficient/Uncollected Funds - Overdraft Privilege (ODP)	$32	per item	None
Share Draft Insufficient/Uncollected Funds - Returned (NSF)	$32	per item	None
ATM & Card
Foreign ATM Fee	$1	Not stated	None
Replacement Debit / Credit Card Fee	$15	per item	None
Wire Transfers
Wire Transfer (Outgoing Fee)	$20	per item	None
Wire Transfer (Incoming Fee)	$10	per item	None
Check Services
Money Order Fee	$3	per item	None
Stop Payment Fee	$35	per item	None
Collection Item Fee	$32	per item	None
All Accounts Copy of Paid Draft Fee	$3	per item	None
Cash & Deposit
Credit Card Balance Transfer and Cash Advance Fee	3%	Not stated	None
Deposited Item Return Fee-First Return for NSF	$5	per item	None
Deposited Item Return Fee-Returned for NSF Second Time Or For Any Other Reason	$32	per item	None
Account Services
Safe Deposit Box	$150Not compared: Box drilling or key fee	per year	None
Safe Deposit Box Fees Rental (annual): Lost key	$75Not compared: Box drilling or key fee	per year	None
Legal Process Fee (Lien, Levy, etc)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Verification of Deposit by Fax Fee	$3	per item	None
Lending Fees
Credit Card Late Payment Fee	$15	Not stated	None
Other Fees
Fax Fee	$3	per item	None
Statement Copy Fee	$3	per item	None
Loan Payment by Telephone	$9.99	per item	None

Correct a fee source

Oct 26, 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.

Fee change alerts

Get an email when Southeastern Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Southeastern Federal Credit Union: $32
Southeastern Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Southeastern Federal Credit Union: $32
Southeastern Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Southeastern Federal Credit Union: $1
Southeastern Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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.

Published fee schedule

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

Account Maintenance

Minimum Balance$5
per month
Account Closing Fee$10
Dormancy Fee$5
per month
Account Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Classic Checking Paper Statement Fee$3.50
per month
Return Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Share Draft Insufficient/Uncollected Funds - Overdraft Privilege (ODP)$32
per item
Share Draft Insufficient/Uncollected Funds - Returned (NSF)$32
per item

ATM & Card

Foreign ATM Fee$1
Replacement Debit / Credit Card Fee$15
per item

Wire Transfers

Wire Transfer (Outgoing Fee)$20
per item
Wire Transfer (Incoming Fee)$10
per item

Check Services

Money Order Fee$3
per item
Stop Payment Fee$35
per item
Collection Item Fee$32
per item
All Accounts Copy of Paid Draft Fee$3
per item

Cash & Deposit

Credit Card Balance Transfer and Cash Advance Fee3%
Credit Card Balance Transfer and Cash Advance Fee (audience not stated, treated as personal)3%
Deposited Item Return Fee-First Return for NSF$5
per item
Deposited Item Return Fee-Returned for NSF Second Time Or For Any Other Reason$32
per item

Account Services

Safe Deposit Box$150
Not compared: Box drilling or key fee
per year
Safe Deposit Box 10x10 (audience not stated, treated as personal)$70
per year
Safe Deposit Box 3x10 (audience not stated, treated as personal)$30
per year
Safe Deposit Box 3x5 (audience not stated, treated as personal)$20
per year
Safe Deposit Box 5x10 (audience not stated, treated as personal)$40
per year
Safe Deposit Box Fees Rental (annual): Lost key$75
Not compared: Box drilling or key fee
per year
Legal Process Fee (Lien, Levy, etc)$20
Not compared: Charged per hour; comparison unavailable
per hour
Verification of Deposit by Fax Fee$3
per item

Lending Fees

Credit Card Late Payment Fee$15

Other Fees

Fax Fee$3
per item
Statement Copy Fee$3
per item
Loan Payment by Telephone$9.99
per item

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance	$5	per month	None
Account Closing Fee	$10	Not stated	None
Dormancy Fee	$5	per month	None
Account Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Classic Checking Paper Statement Fee	$3.50	per month	None
Return Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Share Draft Insufficient/Uncollected Funds - Overdraft Privilege (ODP)	$32	per item	None
Share Draft Insufficient/Uncollected Funds - Returned (NSF)	$32	per item	None
ATM & Card
Foreign ATM Fee	$1	Not stated	None
Replacement Debit / Credit Card Fee	$15	per item	None
Wire Transfers
Wire Transfer (Outgoing Fee)	$20	per item	None
Wire Transfer (Incoming Fee)	$10	per item	None
Check Services
Money Order Fee	$3	per item	None
Stop Payment Fee	$35	per item	None
Collection Item Fee	$32	per item	None
All Accounts Copy of Paid Draft Fee	$3	per item	None
Cash & Deposit
Credit Card Balance Transfer and Cash Advance Fee	3%	Not stated	None
Credit Card Balance Transfer and Cash Advance Fee (audience not stated, treated as personal)	3%	Not stated	None
Deposited Item Return Fee-First Return for NSF	$5	per item	None
Deposited Item Return Fee-Returned for NSF Second Time Or For Any Other Reason	$32	per item	None
Account Services
Safe Deposit Box	$150Not compared: Box drilling or key fee	per year	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$70	per year	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box Fees Rental (annual): Lost key	$75Not compared: Box drilling or key fee	per year	None
Legal Process Fee (Lien, Levy, etc)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Verification of Deposit by Fax Fee	$3	per item	None
Lending Fees
Credit Card Late Payment Fee	$15	Not stated	None
Other Fees
Fax Fee	$3	per item	None
Statement Copy Fee	$3	per item	None
Loan Payment by Telephone	$9.99	per item	None

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

Account Maintenance

Classic Business Checking Account - Minimum Balance Fee$12
per month
Minimum Balance$5
per month
Account Closing Fee$10
Dormancy Fee$5
per month
Account Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Classic Checking Paper Statement Fee$3.50
per month
Return Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Share Draft Insufficient/Uncollected Funds - Overdraft Privilege (ODP)$32
per item
Share Draft Insufficient/Uncollected Funds - Returned (NSF)$32
per item

ATM & Card

Foreign ATM Fee$1
Replacement Debit / Credit Card Fee$15
per item

Wire Transfers

Wire Transfer (Outgoing Fee)$20
per item
Wire Transfer (Incoming Fee)$10
per item

Check Services

Money Order Fee$3
per item
Stop Payment Fee$35
per item
Collection Item Fee$32
per item
All Accounts Copy of Paid Draft Fee$3
per item

Cash & Deposit

Credit Card Balance Transfer and Cash Advance Fee3%
Deposited Item Return Fee-First Return for NSF$5
per item
Deposited Item Return Fee-Returned for NSF Second Time Or For Any Other Reason$32
per item

Account Services

Safe Deposit Box$150
Not compared: Box drilling or key fee
per year
Safe Deposit Box Fees Rental (annual): Lost key$75
Not compared: Box drilling or key fee
per year
Legal Process Fee (Lien, Levy, etc)$20
Not compared: Charged per hour; comparison unavailable
per hour
Verification of Deposit by Fax Fee$3
per item

Lending Fees

Credit Card Late Payment Fee$15

Other Fees

Fax Fee$3
per item
Statement Copy Fee$3
per item
Loan Payment by Telephone$9.99
per item

Fee	Amount	Basis	Note
Account Maintenance
Classic Business Checking Account - Minimum Balance Fee	$12	per month	None
Minimum Balance	$5	per month	None
Account Closing Fee	$10	Not stated	None
Dormancy Fee	$5	per month	None
Account Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Classic Checking Paper Statement Fee	$3.50	per month	None
Return Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Share Draft Insufficient/Uncollected Funds - Overdraft Privilege (ODP)	$32	per item	None
Share Draft Insufficient/Uncollected Funds - Returned (NSF)	$32	per item	None
ATM & Card
Foreign ATM Fee	$1	Not stated	None
Replacement Debit / Credit Card Fee	$15	per item	None
Wire Transfers
Wire Transfer (Outgoing Fee)	$20	per item	None
Wire Transfer (Incoming Fee)	$10	per item	None
Check Services
Money Order Fee	$3	per item	None
Stop Payment Fee	$35	per item	None
Collection Item Fee	$32	per item	None
All Accounts Copy of Paid Draft Fee	$3	per item	None
Cash & Deposit
Credit Card Balance Transfer and Cash Advance Fee	3%	Not stated	None
Deposited Item Return Fee-First Return for NSF	$5	per item	None
Deposited Item Return Fee-Returned for NSF Second Time Or For Any Other Reason	$32	per item	None
Account Services
Safe Deposit Box	$150Not compared: Box drilling or key fee	per year	None
Safe Deposit Box Fees Rental (annual): Lost key	$75Not compared: Box drilling or key fee	per year	None
Legal Process Fee (Lien, Levy, etc)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Verification of Deposit by Fax Fee	$3	per item	None
Lending Fees
Credit Card Late Payment Fee	$15	Not stated	None
Other Fees
Fax Fee	$3	per item	None
Statement Copy Fee	$3	per item	None
Loan Payment by Telephone	$9.99	per item	None

Correct a fee source

Oct 26, 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.