Fee Schedule2018-08-08T12:10:51+00:00



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/A N/A
Check Re-orders (assorted styles) Prices vary
Western Union Wire Fee
(any amount, anywhere in U.S. – flat fee)
Statement Reconciliation Assistance (1 hour minimum) $25.00/hour
Account Research Fee (microfiche 1 hour minimum) $25.00/hour
Fax Service for Members Local $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 Fee Actual cost
Photocopy $0.10/page
Notary Services (Restrictions may apply):
Member (with credit union preferred service)
Member (without credit union preferred service)
We no longer offer this service.


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


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 Retrieval of canceled 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


One-time Enrollment Fee FREE
Replace Lost ATM/VISA Debit Card $5.00
Replace Lost PIN number $3.00
Withdrawals (non-proprietary) $1.00/withdrawal
Point of Sale Fee FREE
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 assessed 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


Consumer Loan Late Fee
(Applies to all payments received more than 10 days after the due date)
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


Annual Fee $0.00
Late Payment up 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.


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 account FREE
Me-to-Me payments inter-bank transfers of funds to personal account at other financial institutions FREE
View Payment History FREE
All Payees verified before 1st payment made FREE
24×7 Access w/support and online chat FREE
+ Email reminders of payments due FREE
+ Email reminders when bill not paid by “no later than” FREE
+ Email notification of activated payees FREE
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 schedule FREE


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


Levy/Garnishment Fee $50.00
ACH Returned Item $30.00/item
NSF (Non-sufficient 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 through 55) $1.50


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

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