Winston-Salem Federal Credit Union
About Us

About Us

Fee Schedule

Share Account (Membership)
Early Closing Fee (First 90 Days) $25.00
Dormant Account $5.00
Share Certificate
Early Withdrawal Penalty Up to 90 Days Dividends
Checking Account
Minimum Deposit to Open $0.00
Minimum Balance Required $0.00
Per Check Charge No Charge
Monthly Fee No Charge

Non-Sufficient Funds Fee

Courtesy Pay $30.00
Stop Payment Fee $25.00
Overdraft Transfer Fee No Charge
Printout History $2.00
Check Printing Varies According to Style
Verification of Deposit $15.00
Temporary Check Order (8 checks) $5.00
Monthly / Quarterly Statements $3.00 each
Checks $3.00 each
Account Maintenance 
Account Reconciliation $15.00 per hour
Research Services $30.00 per hour
Credit Union Check
Official Checks $1.00 each
Stop Payment Fee $25.00
Money Market Account
Minimum Balance Required to
Earn Interest
Transaction Fee No Charge
Service Fee No Charge
IRA (Individual Retirement Account)
Maintenance / Service Fee No Charge
Transaction Fee No Charge
Christmas/Vacation Club Account
Early Withdrawal Penalty
(after 7 days)
Accrued Dividends
Check (ATM) Card
ATM Transactions
(Withdrawals, Transfers, Inquires, Denials)
- First eight per month No Charge
- Over eight per month $1.50 each
Point-of-Sale (POS) and
Visa Transactions
No Charge
Maximum Daily ATM/Debit Withdrawal Limit $500
Maximum Daily Credit/Purchase Limit  $2,000
Check (ATM) Card (Issue) No Charge
Check (ATM) Card (Replacement) $10.00
Withdrawals on Non-Sufficient Funds (NSF) $30.00
ACH (Automatic Clearing House)
Returned Items Due to Non-Sufficient Funds (NSF) $30.00
Stop Payment Fee $25.00
ACH Withdrawals No Charge
ACH Deposits No Charge
Non Credit Union Checks
Returned Check from Deposit $10.00
Undeliverable Mail
Undeliverable Mail $5.00 per Month
Wire Transfers
Incoming Wire Transfers $5.00
Outgoing Wire Transfers $15.00
Western Union Wire Transfer varies according to the amount
Incoming International Wire Transfer $10.00
Outgoing International Wife Transfer $30.00
Safe Deposit Boxes
$20.00 annually
$30.00 annually
Lost Key Actual Cost
Box Drilling Actual Cost
Late Payment
Rental Fees Due October 1  
 Visa Gift Card
 Visa Gift Cards
 Garnishment fee  $25.00 per item
 Coin Machine                                                  5% fee
711 Salem Avenue, Winston-Salem, NC 27101
Privacy Policy
Notices, Terms, and Conditions
Phone 336-727-2663 or 336-788-5007
Ultra Voice 336-748-3500
Visa Credit Card 800-558-3424
PIN reset/change for debit card 800-567-3451
Lost/Stolen ATM or debit card 800-554-8969
Routing Number 253177968
Unauthorized access or use is not permitted and may constitute a crime punishable by law