Fee Schedule

Special Services

Membership Fee$0.00
Visa Gift Card (no longer offer)N/A
Official Check$1.00
Money Orders (up to $1000) (no longer offer)N/A
Computer Printed Account History$1.00/page
Microfiche Statement Copies (per monthly period) N/AN/A
Check Re-orders (assorted styles)Prices vary
Western Union Wire Fee
(any amount, anywhere in U.S. – flat fee)
$25.00
Statement Reconciliation Assistance (1 hour minimum)$25.00/hour
Account Research Fee (microfiche 1 hour minimum)$25.00/hour
Fax Service for MembersLocal $0.10 first page
Long Distance $0.75 first page
(Both $0.10 per extra pages)
Items sent for Collection Fee$15.00
Drafts/Foreign Items sent for Collection FeeActual cost
Photocopy$0.10/page
Notary Services (Restrictions may apply):
Member (with credit union preferred service)
Member (without credit union preferred service)
Non-Member
We no longer offer this service.

Share Savings Account

Inactive/Dormant Account Fee (all accounts)
(No activity within 2 years)
$10.00/month
Unlimited cash withdrawals at the Credit Union windowFREE
Non Member Official Check$5.00/check
Money Market Excessive Activity Fee
(over 6 transaction limitations)
$5.00/transaction
Early Withdrawal from Christmas Club Account$7.00/withdrawal
Early Withdrawal from Vacation Club Account$7.00/withdrawal

Share Draft Accounts

Monthly Maintenance Fee (Up to $10.00)Fee depends on Account type
Stop Payment Fee (Including EFT and all other items)$30.00
NSF Returned Fee$30.00/check
Photocopy Retrival of cancelled check$5.00/check (FREE ONLINE)
Deposit Item Returned$10.00/item
ACH Returned Item$30.00/item
Courtesy Pay Fee$30.00/item
Overdraft Transfer Fee (to avoid NSF's)$3.00/item
Reconcilement of Account (1 hour minimum)$25.00/hour
Computer Look Up Fee (checks, dividends, interest, etc.)$1.00/item

Visa Debit Accounts

One-time Enrollment FeeFREE
Replace Lost ATM/VISA Debit Card$5.00
Replace Lost PIN number$3.00
Withdrawals (non-proprietary)$1.00/withdrawal
Point of Sale FeeFREE
Inquiries (non-proprietary)$1.00/inquiry
VISA Debit Courtesy Pay Fee$30.00
VISA Debit Overdraft Transfer Fee (Avoid NSF's)$3.00
VISA Debit Chargeback Fee$25.00
**Any ATM withdrawals or inquiries at either Southwest LA Credit Union office with their SWLACU ATM/VISA Debit Card will not be assesed withdrawal or inquiry fees:
Lake Charles 4056 Ryan Street
Westlake 804 PPG Drive
Sulphur 101 North Cities Service Hwy
Peto's Hwy 378 Mossbluff
Peto's Truck Stop Roanoke
Lake Charles Memorial Hospital Emergency Room

Loan Accounts

Consumer Loan Late Fee
(Applies to all payments received more than 10 days after the due date)
$20.00
Denial Fee (In excess of one (1) month for same type of loan)$20.00
Real Estate Loan Late Charge (will apply to any payment more than 15 days late)5% of the payment
Home Mortgages (Origination Fee)Maximum of 1% of the loan amount
Interim Mortgage Loan (Origination Fee)Maximum of 1% of the loan amount
SKIP A PAY$30.00
Loan Extension Fee$30.00
Forced Place Insurance$50.00

Visa Credit Card Accounts

Annual Fee$0.00
Late Paymentup to $25.00
Auto Rental Insurance (Classic, Gold, Platinum)FREE
Card Replacement$5.00/card
Returned Check$25.00/check
**VISA Platinum card holders who are late more than 3 times in a year are subject to rate increase to VISA Classic rate.

Electronic Online Bill Pay

Classic Bill Pay (Unlimited Bill Pay)FREE
Bill Pay E-Plus (Unlimited Bill Pay)$1.50
Person-to-Person payments to anyone with email address and U.S. bank accountFREE
Me-to-Me payments inter-bank transfers of funds to personal account at other financial institutionsFREE
View Payment HistoryFREE
All Payees verified before 1st payment madeFREE
24x7 Access w/support and online chatFREE
+ Email reminders of payments dueFREE
+ Email reminders when bill not paid by "no later than"FREE
+ Email notification of activated payeesFREE
Written Correspondence to Payee$25.00
Proof of Payment not necessitated by dispute$10.00
Payment returned due to member error$5.00
Overdraft Fee$30.00
+ Forced Change PIN scheduleFREE

Online Usage Fees (CU@HOME)

Sign-Up FeeFREE
Stop Payment Fee through CU@HOME$10.00
P.C. based Remote Access FeeFREE
Retrieve Image of Check through CU@HOMEFREE
Transfers from one account to another onlineFREE
Inquiries on all accounts onlineFREE
Transfer to make loan payments onlineFREE
Dividend information on all share type accounts onlineFREE
Receive monthly E-Statements on Checking AccountsFREE
Inter-bank transfer of funds (Any bank in U.S.)FREE
Send money to anyone in U.S. with bank accountFREE

Miscellaneous

Levy/Garnishment Fee$50.00
ACH Returned Item$30.00/item
NSF (Non-sufficent funds returned check)$30.00/item
Stop Payment of Credit Union Issued Check$30.00
Stop Payment of Money Order (Lost or Stolen)$20.00
Telephone Transfers (Audio Response)FREE
Telephone Inquiries (Audio Response)FREE
Change PIN number Telephone (Audio Response Unit)FREE
Any Checking Account information such as checks that have cleared, last deposits, last withdrawals (ARU)FREE
Dividend information on all share type accounts (ARU)FREE
Domestic Wires In and Out$25.00
Administration Fee$10.00
Return Mail Fee (New address not changed by member)$2.00
Paper Statement (Paper Statement Fee applies to account owner ages 18 thorugh 55)$1.50

Safety Deposit Boxes Annual Fee

Size 3 X 5$10.00
Size 5 X 5$15.00
Size 3 X 10$20.00
Size 5 X 10$30.00
Size 7 X 10$35.00
Size 10 X 10$40.00