SECU NSF and monthly fees
State Employees' Credit Union in North Carolina, the SECU fee sheet dated 3 August 2026, prints a $1 monthly maintenance fee on checking and a $12 NSF fee per item after one NSF Fee Free Day. The overdraft transfer page, opened the same day as this guide, says there are no overdraft fees. The wider list is overdraft fees at US credit unions. Every overdraft guide is on overdraft fee guides. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Last updated: October 22, 2026
Last checked: Oct 2026
What the August 2026 sheet prints
Opened 22 October 2026. The dollars are on SECU's fees and terms, headed as of 3 August 2026. Checking has a $1 monthly maintenance fee, in lieu of a contribution to the SECU Foundation. The same $1 prints on Zard Checking. A share account prints $1 if the balance is below $25 on the statement date. An NSF fee, after one NSF Fee Free Day is exhausted, is $12 per item, excluding identified re-presentments. Footnote 7 says that free day is the first day of a calendar year in which NSF fees would otherwise be incurred. A per item fee on checks, teller-cashed items, and Another Chance items, past 50 in a statement, is $0.20. A cashier's check is $2. An incoming wire is $0. An outgoing domestic wire is $15. An outgoing international wire is $35.
Footnote 10 on the same sheet says Visa applies a 1% fee to the US dollar amount of an international transaction. That includes a transaction made in a foreign country and a transaction made or processed outside the United States. The sheet points to a separate card terms document for the rest of that rule.
The overdraft transfer page, opened 22 October 2026, says enrollment is free and that there are no overdraft fees. The page also says SECU does not charge an overdraft fee. If the checking account and the protecting accounts cannot cover the item, the checking account can still get the NSF fee, excluding identified re-presentments. The service can pull from up to two protecting accounts, in $50 steps from a share, another checking account, or an open-end signature loan, and in $500 steps from a home equity line of credit. A share used as a protecting account keeps a $25 minimum that is not available for the transfer. That page does not reprint the $12 NSF dollar. The $12 is on the fee sheet.
A fee already charged is a request. SECU can say no. The US list is US bank fee guides.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What SECU prints |
|---|---|
| Checking monthly maintenance | $1, in lieu of the SECU Foundation |
| NSF after one free day | $12 per item, excluding identified re-presentments |
| NSF Fee Free Day | First day in a calendar year that an NSF fee would otherwise post |
| Overdraft fee | The overdraft page says there is no overdraft fee |
| Overdraft transfer service | Free to enroll |
| Outgoing international wire | $35 |
Questions
- How much is an SECU NSF fee?
- The fee sheet as of 3 August 2026 prints $12 per item after one NSF Fee Free Day is used up. Identified re-presentments are excluded. That free day is the first day of a calendar year in which an NSF fee would otherwise be incurred.
- Does SECU charge an overdraft fee?
- The overdraft transfer page, opened 22 October 2026, says there are no overdraft fees and that SECU does not charge an overdraft fee. An NSF fee can still apply when the checking account and the protecting accounts cannot cover the item.
- What is the SECU checking monthly fee?
- The same fee sheet prints $1 a month on checking, in lieu of a contribution to the SECU Foundation. A share account prints $1 only when the balance is below $25 on the statement date.
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