Service Charges
Clear. Fair. Transparent.
At SKCU, we believe in transparency and value.
Our service charges are designed to keep our operations efficient while ensuring we continue to provde the best possibile services to our members.
Important Notice
All charges are subject to change. Applicable taxes will be added where required.
Service Charges
Effective Date: August 17th, 2026
| Category | Service / Fee | Charges |
| Standing Orders | Setup / Processing Fee | $17.55 |
| ATM / Cards | Credit Card Late Payment | $58.50` |
| Chequing Account | Returned Cheque (NSF) | $87.75 |
| Account Services | Voucher Search | $58.50 |
| Account Services | Manager’s / Banker’s Cheque | $17.55 |
| Depository | Lost Key Replacement | $117.00 |
| Loans | Loan Service Charge (Min. 1.75%) | 2% ($200 minimum) |
| Credit Cards | Credit Card Annual Fee (Primary) | $175.50 |
| Credit Cards | Cash Advance Fee | 3% min $20 |
| Account Services | Passbook Replacement | $29.25 |
| Account Services | Stop Payment (Local) | $35.10 |
| Account Services | Photocopies (per sheet) | $3.51 |
| Credit Cards | Credit Card Over Limit | $62.25 |
| Account Services | Audit Confirmation | $87.75 |
| Chequing Account | Overdraft Fee | $87.75 |
| Debit Card | Replacement Debit Card | $58.50 |
| Loans | Late Payment Fee | $87.75 |
| Loans | Line of Credit Annual Fee | $187.20 |
| Account Services | Withdrawal Fees | $87.75 |
| Account Services | Member Account Transfer Fee | $11.70 |
| Account Services | Cheque Book (per book) | $35.10 |
| Account Services | Night Bag Deposit Book | $29.25 |
| Loans | Restructure / Refinance | $200 min |
| Account Services | Transfer Fee — Advance Caribbean | $11.70 |
| Account Services | ATM Maintenance Fee (per txn, after 3) | $1.17 |
| Account Services | Salary Recalls | $23.40 |
| Account Services | New Savings Account | Entrance Fee $5.85 |
| Account Services | New US Savings Account | Opening Deposit/Fee US$211.70 |
| Account Services | Vacation Club | Opening Deposit/Fee $105.85 |
| Account Services | Christmas | Opening Deposit/Fee $30.85 |
| Account Services | In Trust Account | Opening Deposit $25.00 |
| Account Services | Junior Savers Account | Opening Deposit $50.00 |
| Account Services | Chequing Account | Opening Charge $100.00 |
| Account Services | Golden Achievers | Opening Deposit $50.00 |
| Account Services | Bank Statement | $54.25 |
| Account Services | Fax/other foreign transaction | $43.40 |
| Account Services | Foreign Cheques | $2.34 |
| Account Services | Print of Accounts | $5.85 ($5 per page) |
| Account Services | Statement of Account/Letter | $54.25 |
| Account Services | Non-Member Cheque Service | $10.85 |
| Account Services | Night Bag Service | $249.55 |
| Account Services | Night Bag Replacement | $125.00 |
| Account Services | Safety Deposit Box | Small $150.50, Large $175.50 |
| Account Services | Chequing Account Maintenance | $21.70 |
| Account Services | Unauthorized overdrafts on chequing accounts | 15% of the end of month balance plus VAT |
| Account Services | Overdraft facility setup | Min $100.00 1.25% over $10,000.00 |
| Account Services | Bill Consolidation | 4C’s – 2% of Collection Advance Caribbean – 3% of collection |
| Debit Card | ATM Transactions | $0.60 per transaction + VAT ($0.70 total) |
| Debit Card | Point of Sale (POS) Transactions | $0.60 per transaction + VAT ($0.70 total) |
| Debit Card | Cash Advance | 2% of transaction value or a minimum of $10, Plus vat whichever is greater |
| Debit Card | Replacement Card | $108.50 |
| Credit Card | Annual Fee additional Classic | $108.50 |
| ATM Card | Replacement ATM Card | $54.25 |
| Category | Service / Fee | Charges |
| Standing Orders | Setup / Processing Fee | $17.55 |
| Chequing Account | Returned Cheque (NSF) | $87.75 |
| Account Services | Voucher Search | $58.50 |
| Account Services | Manager’s / Banker’s Cheque | $17.55 |
| Depository | Lost Key Replacement | $117.00 |
| Account Services | Passbook Replacement | $29.25 |
| Account Services | Stop Payment (Local) | $35.10 |
| Account Services | Photocopies (per sheet) | $3.51 |
| Account Services | Audit Confirmation | $87.75 |
| Chequing Account | Overdraft Fee | $87.75 |
| Account Services | Withdrawal Fees | $87.75 |
| Account Services | Member Account Transfer Fee | $11.70 |
| Account Services | Cheque Book (per book) | $35.10 |
| Account Services | Night Bag Deposit Book | $29.25 |
| Account Services | Transfer Fee — Advance Caribbean | $11.70 |
| Account Services | ATM Maintenance Fee (per txn, after 3) | $1.17 |
| Account Services | Salary Recalls | $23.40 |
| Account Services | New Savings Account | Entrance Fee $5.85 |
| Account Services | New US Savings Account | Opening Deposit/Fee US$211.70 |
| Account Services | Vacation Club | Opening Deposit/Fee $105.85 |
| Account Services | Christmas | Opening Deposit/Fee $30.85 |
| Account Services | In Trust Account | Opening Deposit $25.00 |
| Account Services | Junior Savers Account | Opening Deposit $50.00 |
| Account Services | Chequing Account | Opening Charge $100.00 |
| Account Services | Golden Achievers | Opening Deposit $50.00 |
| Account Services | Bank Statement | $54.25 |
| Account Services | Fax/other foreign transaction | $43.40 |
| Account Services | Foreign Cheques | $2.34 |
| Account Services | Print of Accounts | $5.85 ($5 per page) |
| Account Services | Statement of Account/Letter | $54.25 |
| Account Services | Non-Member Cheque Service | $10.85 |
| Account Services | Night Bag Service | $249.55 |
| Account Services | Night Bag Replacement | $125.00 |
| Account Services | Safety Deposit Box | Small $150.50, Large $175.50 |
| Account Services | Chequing Account Maintenance | $21.70 |
| Account Services | Unauthorized overdrafts on chequing accounts | 15% of the end of month balance plus VAT |
| Account Services | Overdraft facility setup | Min $100.00 1.25% over $10,000.00 |
| Account Services | Bill Consolidation | 4C’s – 2% of Collection Advance Caribbean – 3% of collection |
| Category | Service / Fee | Charges |
| Loans | Loan Service Charge (Min. 1.75%) | 2% ($200 minimum) |
| Loans | Late Payment Fee | $87.75 |
| Loans | Line of Credit Annual Fee | $187.20 |
| Loans | Restructure / Refinance | $200 min |
| Category | Service / Fee | Charges |
| ATM / Cards | Credit Card Late Payment | $58.50` |
| Credit Cards | Credit Card Annual Fee (Primary) | $175.50 |
| Credit Cards | Cash Advance Fee | 3% min $20 |
| Credit Cards | Credit Card Over Limit | $62.25 |
| Debit Card | Replacement Debit Card | $58.50 |
| Debit Card | ATM Transactions | $0.60 per transaction + VAT ($0.70 total) |
| Debit Card | Point of Sale (POS) Transactions | $0.60 per transaction + VAT ($0.70 total) |
| Debit Card | Cash Advance | 2% of transaction value or a minimum of $10, Plus vat whichever is greater |
| Debit Card | Replacement Card | $108.50 |
| Credit Card | Annual Fee additional Classic | $108.50 |
| ATM Card | Replacement ATM Card | $54.25 |
