Fee Schedule

State Bank of Southern Utah Fee Schedule - Revised 04/30/2024 Cost
Account Closure – If within 6 months of opening and no other account relationship exists with SBSU. $25
Bill Pay3 No Charge
Cashier's Checks or Money Orders $2 each
Coin Processing Fee $2 per bag
Currency Processing Fee $2 per $1K
Collection Exchange – SBSU exchanges NSF deposit item for good funds at another bank. $25
Dormant Account – Monthly fee after inactivity; 1 year (checking), 3 years (savings). $5
Excessive Withdrawals – Per item after 6 per month.  
Money Market - In-person withdrawals unlimited. $10
Savings - ATM withdrawals unlimited. $5
Foreign Canadian Check Processing1 – Payable in US or Canadian funds. $7.50 each
Foreign Non-Canadian Check Processing1 – $250 check minimum value. $30 per check
Foreign Currency1 – Allow time for delivery. $25 per order
Foreign Draft1 –Allow time for delivery. $25 per draft + $25 handling
Foreign Currency Buyback1 $25 handling
Gift Cards2 – Single Load, Value $10 - $1,000 per card.
1-9 cards $5.00 each
10 or more cards $3.50 each
25 or more cards with custom name imprint $3.50 each
IRA Transfer - Transfer IRA funds to another institution. $25 each
Late Payment Fees - If full payment not received within 10 days of due date.
SureCash Up to $15
Home Equity and Installment Loans - $15 or 5% of payment, whichever is greater. $15 Min
Credit Card Up to $25
Legal processing – Garnishment / Levy $100 per instance
Minimum balance Fee - Monthly fee applies to specific accounts, refer to disclosures. $8
Notary Public
Account-holders No charge
Non-account holders $5 flat fee
NSF - Non Sufficient Funds/Return Item3&4 – Consumer accounts limited to fee occurrence of 4 per day (separate from OD fee). 
$25 each
OVERDRAFT - OD/Paid Item4 – Consumer accounts limited to fee occurrence of 4 per day (separate from NSF fee). $25 each
Overdraft Interest Rate – Interest applied to negative account balances. Charged at the end of the monthly cycle when the statement prints. 18% per annum
Paper Statement Fee  - Big Interest Checking only. Enroll in eStatements to avoid. $2/month
Research / Reprints / Miscellaneous
Check Or Miscellaneous Copy $1 per page
Fax $2 per page
Statement Reprint $3 each
Miscellaneous Copies $1 per page
Research by bank personnel $30/hr.
Return Deposit Item Processing - OD charges may apply if return overdraws account. $3
Return Mail / Bad Address $5
Shipping / Mailing - Documents, card replacements, etc., including rush delivery. $5 - Up to Cost
Stop payment $25
Transfer / Overdraft Prevention – Bank initiated to maintain a balance or prevent an overdraft, including SureCash transfers. $3
Teller or Employee Assisted Transfers
Convenience payments by credit/debit card. $10 or 2% over $500
Recurring ACH Transfer - Fee per entry setup, no charge for subsequent transfers. Limits apply. $20 per entry/setup
Wire Transfers
Incoming $0
Outgoing Domestic $20
Outgoing International $50
  1. Foreign Currency/Drafts: Additional third-party fees may apply.
  2. Gift Cards: Contact the Card Department at (435)865-2331 for more information.
  3. NSF and Bill Pay: A $20 NSF fee will be passed along to the account holder if debit to fund a bill pay is returned. Bill Pay users may therefore incur $45 in NSF fees for one bill pay; $25 immediately from SBSU and $20 from the provider at month end.
  4. Item: An “item” that may trigger NSF/OD fees is generally (a) a check, (b) return deposit item, (c) ACH debit, (e) one-time ATM/POS debit to a business account, (f) one-time ATM/POS debit to a consumer account that is opted-in to our Reg E Overdraft program, (g) any representment of a previously dishonored item, or (h) recurring POS debits to any account (e.g., you provided your debit card number to a subscription service).
Safe Deposit Box Rental Annual Cost (subject to availability)
3 x 5: $15 • 3 x 10: $30 • 5 x 5: $25 • 5 x 10: $40 • 10 x 10: $70