Service
Fees
As a member-owned, non-profit financial institution, we are dedicated to providing members with a complete choice of low-cost financial services.
This Fee Schedule is designed to recover our cost of providing these services directly from those members who incur the cost rather than those costs being subsidized from loan interest or dividend earnings. It is our goal to provide you with the highest quality services at the lowest possible cost.
All fees are per transaction or per item unless otherwise denoted. Many fees may be avoided through participation in Express, Premiere50 or Advantage Circle Plus accounts.
The information listed below is accurate as of March 2006. Fees are subject to change without notice.
Share
Savings Account Fees
| Account
Closure (within 6 mos.) |
$5.00 |
| Account
Conversion |
$25.00 |
| Account
Maintenance (per month) |
$2.00* |
| Automatic Overdraft Transfer from Savings (limit 3 per month) |
$2.00 |
| Dormant
Account (inactive 3 years) |
$25.00 |
| Excess
Share Withdrawals (over 3 per month) |
$5.00** |
| Excess Vacation Club Withdrawals/Transfers (over 3 per month) |
$5.00 |
| IRA
Early Withdrawal (if less than age 59 ½) |
$25.00 |
| IRA
Maintenance (per year if balance is under $250) |
$25.00 |
|
Overdrawn Account (off-line, per transaction)
|
$25.00 |
Checking
Account Fees
| Certified
Check |
$7.50 |
| Check
Printing Charge |
based
on selected style |
|
Microfilm
Copy of Check
|
$2.00 |
| Online Bill Payment: |
|
|
Free |
- Express,
Concorde (plus $0.30 each check over 10)
|
$3.25 |
- Checking
Account Members (plus $0.30 each check over 10)
|
$6.50 |
- Bill
Payment Stop Payment Fee
|
$25.00 |
- Bill
Payment Return (NSF)
|
$20.00 |
| Overdrawn Account (off-line, per transaction) |
$25.00 |
| Overdraft/Returned
Check |
$25.00 |
| Stop
Payment (per check or series) |
$25.00 |
| Temporary
Checks (set of 10, other than starter set) |
$3.00 |
Transaction
Fees
-
Foreign ATM***
- Point of Sale (POS)
(Transaction
fees waived if participating in Express,
Concorde, Premiere50, and a limited number of
transactions free with Advantage Circle Plus accounts.)
|
$1.00
$.25
|
| Overdrawn Account (off-line, per transaction) |
$25.00 |
| Replacement
Cards |
$10.00 |
|
Replacement PINs |
$5.00 |
VISA®
Fees
Classic
and Secured Card--Annual Fee
-
Non-Grace
-
Grace (Fee
waived if participating in Express, Concorde, Premiere50,
or Advantage Circle Plus accounts.)
|
NONE
$10.00 |
Gold
Card--Annual Fee (Fee waived if participating in Express,
Concorde, Premiere50 or Advantage Circle Plus accounts) |
$20.00 |
| Platinum
Card - Annual Fee (Fee waived if participating in Express, Concorde,
Premiere50 or Advantage Circle Plus accounts) |
$25.00 |
| Overlimit
Fee (per cycle) |
$10.00 |
| Returned
Check |
$25.00 |
| Sales
or Credit Draft Retrieval Original |
$20.00 |
| Statement
Copy from TFCU |
$2.00 |
|
Statement Copy from PSCU |
$10.00 |
Miscellaneous
Fees
| Account
Reconciliation or Research (per hour,1/2 hr. min.) |
$25.00 |
| ACH
Returns (NSF) |
$25.00 |
| Advantage
Circle Plus (monthly, only if less than $150 combined share
balances) |
$3.00 |
| All
Balance Printout |
$2.00 |
| Carfax® Report |
$17.00 |
| Collection
Items |
$15.00 |
Concorde
Account (monthly, only if less than
$10,000 combined share and/or loan balances) |
$10.00 |
| Deposit
Item Returns (third party) |
$10.00 |
| Deposit
Item Returns (NSF) |
$25.00 |
| Electronic
Tax Filing |
market
price |
| Deposit
Verification (third party) |
$10.00 |
Express
Account (monthly, only if less than $1,000
combined share balances) |
$7.00 |
| Interim
Statement |
$2.00
|
| Money
Orders |
$1.50 |
| Money
Order Copies |
$7.00 |
| Money
Order Stop Payments |
$25.00 |
| myculink Internet Banking |
FREE
|
| Official
Checks (third party) |
$5.00 |
| Official
Check Copies |
$7.00 |
|
Official
Check Stop Payments
|
$25.00 |
Premiere50
(monthly, only if less than $20,000 in
combined share and/or loan balances or less than $15,000 in
combined balances with Direct Deposit) |
$15.00 |
| Telephone
Transfers/Withdrawals (excluding DOTTIE) |
$5.00 |
| Travelers
Cheques (per $100 purchased) |
$1.00 |
| Travelers
Cheques for Two (per $100 purchased) |
$1.50 |
| Western
Union Wire Transfer (Domestic) |
$20.00 |
| Western
Union Wire Transfer (International) |
$20.00
+ 2% of the amount sent |
| Wire Transfer (outgoing) |
$15.00 |
| Writ
of Attachment/Levy |
$40.00 |
*A $2 fee will be charged each month, beginning at
the end of the second year after opening the account. This fee will
be waived if, by that time, you have maintained a minimum combined
daily balance of $250 throughout the month in combined share and
checking balances, or if you have a loan or active VISA. The account
maintenance fee is also waived if you are under 22 years of age
or participate in the Concorde, Express or Premiere50 package
account.
**Includes each Share Savings withdrawal in excess of three per
month; applies to over-the-counter, DOTTIE, myculink,
and mail withdrawals only; does not affect ATM withdrawals or transfers
from savings to checking, or loans. Members who maintain a minimum
$2,000 Share Savings balance are exempt.
***A fee may be imposed by the owner of the ATM
Last
revised 3/06
|
