Fees
The Family Credit Union
Fee Schedule Effective January 2, 2026
Fees may change without notice. Some fees are subject to sales tax
Checking Account Fees
| Fee | Amount |
| Monthly Service Fee | Free |
| NSF (non-sufficient funds), returned/paid. Per check (max 8/day per account) | $29.00 |
| NSF (non-sufficient funds), returned/paid. Per ACH debit (max 8/day per account) | $29.00 |
| Overdraft (debit card & misc. item)*, per item |
$29.00 For Details or To Consent |
| Overdraft Transfer (from savings)*, per transfer | $5.00 + Tax |
| Overdraft Transfer (from EZ loan)*, per transfer | Free |
| Check Copy (photocopy), per check | $3.00 |
| Rejected Check (non-approved vendor), per check | $3.00 |
| Account Research/Reconciliation, per hour | $20.00 |
| Checks | Varies by Style |
Debit & Credit Card Fees
| Fee | Amount |
| Monthly Service Fee | Free |
| Non TFCU ATM Usage (per transaction, first 5 free) | $1.00 |
| Empty Envelope Deposit, per deposit | $29.00 |
| Sight Draft/Keyed Error, per draft | $10.00 |
| Card Replacement | $15.00 |
| Copy of Sales Draft, per copy | $6.00 |
| Credit Card Late Fee, per month | $15.00 |
| Credit Card Over Limit Fee, per month | $15.00 |
| Cash Advance Fee at ATM | $2.00 |
Self-Service Fees
| Fee | Amount |
| Voice Response – Transfers | Unlimited Free |
| Voice Response – Balance/History/Transaction Inquiries, first 5 free | $0.50 |
| Online Bill Pay | Free with 1 payment per month. If not used, then $5.00 per month non-use fee. |
Miscellaneous Fees
| Fee | Amount |
| Telephone Transfer (via staff) | $3.00 |
| Outgoing Domestic Wire | $25.00 |
| Incoming Domestic Wire | $5.00 |
| Account Closed Within 90 Days | $20.00 |
| Dormant/Non-Use, per account/per month | $5.00 |
| Printed Account History | $5.00 |
| Returned ACH Debit Origination | $10.00 |
| Loan Subsequent Action | $35.00 |
| Cashiers Check, per check | $3.00 |
| Coin Counting (not deposited) | 2% of Total |
| Check Cashing (<$100 balance or relationship) | 2% of Check |
| Collection Item, per item | $15.00 |
| Bad Address, per returned mail piece | $5.00 |
| Garnishments/Levies | $45.00 |
| Visa Gift Card, per card | $3.50 |
| Corporate Check Copy | $5.00 |
| Corporate Check Stop Pay | $29.00 |
| Certified Check, per check | $10.00 |
| Convert to Paper Statement | $5.00 |
| Canadian Check Deposit, $5.00 plus conversion fee | Variable |
| Loan Coupon Book, per book | $15.00 |
| IRA Transfer Out | $25.00 |
| Escrow Account, per year | $50.00 |
| CarFax Report (non-loan) | $25.00 |
*Overdraft fees including transfer and NSF, are imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means.
