Fee Schedule
Consumer & Business Account(s)
Effective May 1, 2023
Credit Union Membership
| Service | Fee |
|---|---|
| Membership Share | $25.00 par value |
| New Membership Fee | $5.00 |
Share Account Fees
| Service | Fee |
|---|---|
| Share Account Telephone Inquiry | $5.00 per call |
| Share Account Excessive Withdrawal Fee | $5.00 per withdrawal after six (6) withdrawals per month |
| Regular Share Savings Closed Account Fee | $25.00 if less than ninety (90) days old |
| IRA Share Account Initial Fee | $5.00 |
| IRA Share Account Withdrawal Fee | $12.00 assessed each time that a withdrawal is made (including a withdrawal that closes the IRA) |
Share Draft Account Fees
| Service | Fee |
|---|---|
| NSF Paid Check Fee | $25.00 per item |
| Stop Payment Fee | $30.00 |
| Share Draft Copy Fee | $3.00 |
| Regular Share Draft Monthly Fee | $5.00 |
| Share Draft Account Telephone Inquiry | $5.00 per call |
| Share Draft Overdraft Transfer Fee | $3.00 per transfer |
| Replacement Debit Card (No Fraud) | $15.00 per card |
| Rush Order for Debit Card | $75.00 per card |
| New PIN (if not done in person at CU) | $10.00 per PIN |
Other Services Fees
(applicable to all accounts)
| Service | Fee |
|---|---|
| Account Research Fee | $30.00 per hour |
| Statement Copy Fee | $2.00 per page |
| Document Copy Fee | $1.00 per page |
| One-Time ACH Origination Transfer Fee | $10.00 per transfer |
| Return ACH Origination Fee | $25.00 per transfer |
| Western Union Fee (outgoing) | $25.00 per transfer |
| Wire Transfer Fee (incoming) | $5.00 per transfer |
| Wire Transfer Fee (outgoing) | $25.00 per transfer |
| Return Wire Transfer Fee | $25.00 per transfer |
| Deposited Item Return Fee | $25.00 per item |
| Telephone Transfer Fee | $5.00 per transfer |
| Item Sent for Collection Fee | $20.00 minimum |
| Loan Skip Payment Fee | $15.00 per item |
| Garnishments/Levies | $30.00 per order |
| Returned Mail Fee | $5.00 per item |
| Temporary Check Fee | $5.00 per page (4 to a page) |
| Corporate Check Fee | $5.00 per check |
| Fax Service Fee | $1.00 per page |
| Inactive Account Fee | $5.00 per quarter after one (1) year |
| Notary Public Services | No Cost to Members |
| Visa Credit Card Cash Advance Fee | $10.00 per advance |
| Visa Credit Card Payment Fee | $2.00 per payment |
| Visa Credit Card Replacement | $20.00 per card |
| Visa Credit Card Rush Replacement | Express Delivery Service Fee |
| Loan Payment by Debit Card or ACH Transfer | $4.95 each |
| Call 24 (Audio Response System) | Free |
| Web 24 (Online Banking) | Free |
| Mobile Banking App | Free |
| Auto Draft Loan Payment Removal | $15.00 each |
| Person to Person Payments | $5.95 each |
| Key Lock Zipper Bags | $30.00 each |
| Vinyl Zipper Bags | $10.00 each |
EFT Fees
| Service | Fee |
|---|---|
| NSF Fee | $25.00 per item |
| ATM Withdrawal | $1.25 per ATM withdrawal not owned by TCFCU or MoneyPass Network |
Business Account(s)
Effective May 1, 2023
Online Inquiries & Transactions No Cost
Credit Union Membership
| Service | Fee |
|---|---|
| Membership Share | $25.00 par value |
| New Membership Fee | $15.00 |
| Business Loan Application Fee | $50.00 each |
Member Business Share Account Fees
| Service | Fee |
|---|---|
| Share Account Telephone Inquiry | $5.00 per call |
| Share Account Excessive Withdrawal Fee | $5.00 per withdrawal after six (6) withdrawals per month |
| Share Overdraft Transfer Fee | $3.00 per transfer |
| Account Closing Fee | $25.00 if closed within ninety (90) days of opening |
Member Business Share Draft Account Fees
| Service | Fee |
|---|---|
| NSF Paid Check Fee | $25.00 per item |
| NSF Return Item Fee | $25.00 per item |
| Stop Payment Fee | $25.00 per item |
| Share Draft Copy Fee | $3.00 per item |
| Share Draft Account Telephone Inquiry | $5.00 per call |
| Share Draft Telephone Transfer Fee | $5.00 per transfer |
| Replacement Debit Card (No Fraud) | $15.00 per card |
| Rush Order for Debit Card (3 days) | $50.00 per card |
| New PIN (if not done in person at CU) | $10.00 per PIN |
| Overnight Order for Debit Card | $75.00 per card |
Other Services Fees
(applicable to all accounts)
| Service | Fee |
|---|---|
| Account Research Fee | $30.00 per hour |
| Statement Copy Fee | $2.00 per page |
| Document Copy Fee | $1.00 per page |
| One-Time ACH Origination Transfer Fee | $5.00 per transfer |
| Return ACH Origination Fee | $25.00 per transfer |
| Western Union Fee (outgoing) | $25.00 per transfer |
| Wire Transfer Fee (incoming) | $5.00 per transfer |
| Wire Transfer Fee (outgoing) | $25.00 per transfer |
| Return Wire Transfer Fee | $25.00 per transfer |
| Deposit Item Return Fee | $25.00 per item |
| Item Sent for Collection Fee | $20.00 minimum |
| Loan Skip Payment Fee | $15.00 per item |
| Garnishment/Levies | $30.00 per order |
| Returned Mail Fee | $5.00 per item |
| Temporary Check Fee | $5.00 per page (4 to a page) |
| Corporate Check Fee | $5.00 per check |
| Fax Service Fee | $1.00 per page |
| Inactive Account Fee | $5.00 per quarter after one (1) year |
| Notary Public Services | No cost to members |
| Real Estate Title Search | By search |
| UCC Lean Fee | $15.00 per item |
Currency
| Service | Fee |
|---|---|
| Currency | $1.00 per strap |
| Coin | $0.10 cents per roll |
| Key Lock Zipper Bags | $30.00 each |
| Vinyl Zipper Bags | $8.00 each |
EFT FEES
| Service | Fee |
|---|---|
| NSF Fee | $25.00 per item |
| ATM Withdrawal | $1.25 per ATM withdrawal not owned by TCFCU or MoneyPass Network |
MoneyPass Network ATM Locator:
Notice To Membership:
The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated on this Truth-In-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.
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 to you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your Driver’s License and/or other identifying information.
The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated on this Truth-In-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.
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 to you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your Driver’s License and/or other identifying information.