Fees & Disclosures


Funds Availability Policy

At Buffalo Service Credit Union, we know it's important that you have your funds available to use as quickly as possible, so we adhere to the following policy:

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of deposit (or, on the same day we receive your deposit). Funds may not be available until the second business day after the day of deposit. The first $200 of your deposits, however, will be made available on the first business day after the day of deposit.

Funds you deposit by check may be delayed for a longer period under the following circumstances:
  • you have opened a new account
  • we believe the check is uncollectible
  • you deposit amounts in excess of $5,000 on a single day
  • you are re-depositing a check
  • the account has been repeatedly overdrawn
  • emergency situations, such as computer failure

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of deposit. The first $200 of your deposits, however, will be made available on the first business day after the day of the deposit.

If you make deposits before 3:00 pm on a business day, your money will be considered deposited that day. Business days exclude Saturdays, Sundays and Federal Holidays. Deposits after 3:00 pm on a business day or at any time on a non-business day will be considered to be deposited on the next business day.

Foreign check deposits may be available on the eleventh business day after the day of deposit or the check will be sent as a collection item, whereas the funds will be available upon delivery of the funds. $200 of the deposit will not be available on the next business day.

We have developed these guidelines for your protection. If you have any questions about the availability of your funds, please don't hesitate to ask one of our representatives.

Buffalo Service Credit Union Privacy Policy

Download the BSCU Privacy Policy

NCUA Share Insurance

NCUA share insurance up to $250,000.

As a member of Buffalo Service Credit Union, you'll enjoy the peace of mind that comes with knowing your deposits are automatically insured by the National Credit Union Administration (NCUA) for up to $250,000.

The NCUA is the independent agency of the U.S. Government that is responsible for managing the National Credit Union Share Insurance Fund (NCUSIF). NCUSIF was established by Congress in 1970 to insure member share accounts against loss within specified legal limits.
NCUA protection up to $250,000 is automatically in effect on your shares here and applies to both new and old accounts.

Account and Service Fees

The cost of Share Draft printing depends on the style of draft you select.  Select Share Drafts are free of charge with Direct Deposit of full pay.

Fees are subject to change at any time. Contact credit union for most current fees.

Service Fee
Non-Sufficient Funds
Share Draft, ACH and Debit Card,
Courtesy Pay Service Fee
Returned Check Deposits $30.00
Visa® Credit Card Returned Payment up to $25.00
Regulation D (transfers over 6 per month) $30.00
Stop Payment Request $25.00
Loan Skip-a-Payment $25.00
Photocopy $4.00/document
Visa® Credit Card Replacement $9.00/card
Visa® Debit Card Replacement $9.00/card
Visa® Prepaid Gift Card $3.00
Visa® Prepaid Travel Money Card $7.00/card and $2.00/reload
Visa® Prepaid Travel Money Chip Card $9.00/card and $2.00/reload
Visa® Prepaid Everyday Debit Card $7.00/card and $.50/reload
Outgoing Domestic Wire Transfer $20.00/transfer
Outgoing International Wire Transfer $35.00/transfer
Cashier's Check in excess of 2 per month $5.00
Money Orders $1.00/item
Unknown Address $4.00/month
Protest $20.00/item
Restraining Notice or Levy $70.00/notice
Information Subpoena $70.00/notice
Collection Letter $30.00/letter
Account Research $15.00/hour
Account Interim Statement $1.00/page
Dormant Fee $6.00/month*
Early Account Closure (within 6 months) $25.00
ATM Cash Withdrawal Fee: 2 free per month with additional withdrawals costing
$ .50 each.  BSCU Visa® Debit Card used at BSCU ATMs are free and not counted toward the 2 free per month.
*Accounts inactive for 3 years as of June 30th will be charged a Dormant Fee of $6.00 per month August 1st thru November 1st.

Effective 05/15/2017

Fee Schedule

Special Purpose Bill Pay Fees Fee    
Overnight Check $15.00    
Same-Day Bill Payment $10.00    
A2A Transaction Fee $2.00    
PopMoney (P2P) Fees      
Enrollment Fees $1.00    
Stop Payment  $20.00    
E-Greetings $0.25    
P2P Transaction Fees      
Transaction Amount $1.00- $250.00- $1,000.00-
  $249.99 $999.99 and above
Send Money      
3-Day $0.65 $0.75 $1.50
Next Day $0.85 $1.00 $2.00
Request Money      
3-Day $0.65 $0.75 $1.50
Next Day $0.85 $1.00 $2.00

Effective 04/21/2016

ATM (Automated Teller Machine)

On each check card, there is a per day limit of $510.00 ($10.00 for surcharges) used at an ATM. There is also a per day limit of $1,000 used as a debit-purchase with your PIN Number. On each account, there is a limit of $2,000 for credit-signature transactions less outstanding authorizations (purchases made but not posted to your account).

Transaction Limitations

Regulation D requires that no more than six (6) preauthorized, automatic, ARU-TellerPhone, internet banking or telephone transfers may be made from your Share Savings Account, Club Accounts or IRA Accounts during any one month. If you exceed, or attempt to exceed these transfer limits, the transfer requests may be refused or reversed. A fee will be imposed on the excess transfer requests and the credit union may reclassify your account to a Share Transaction Account. Automatic transfers are made in $10 increments from your Account or Overdraft Line of Credit to cover overdrafts.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Buffalo Service Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 716-842-1320.
All products and services available on this website are available at all BSCU branches.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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