Fees
The Family Credit Union
Fee Schedule Effective January 1, 2024
Fees may change without notice. Some fees are subject to sales tax
| Checking Account Fees | Amount |
|---|---|
| Overdrafts* | No transfer or overdraft fee for being negative by < $10.00; but must bring account into the positive within three business days. Collection process begins at seventh day of being negative |
| Courtesy Pay** | $29.00 per item. For details or to consent |
| Monthly Service Fee and minimum deposit | No charge per month and no minimum deposit required |
| Non-sufficient funds item returned or paid* | $29.00 per item (daily limit of 8 items per checking account, per day) |
| Stop payment on any item | $29.00 per item |
| Overdraft transfer (from savings or other designated account)* | $5.00 per transfer |
| Overdraft transfer (from EZ loan) | No charge per transfer |
| Photocopy of check | $3.00 per check |
| Rejected check not ordered from approved vendor | $3.00 per check |
| Balancing account/Account research | $20.00 per hour minimum 1 hour |
| Cost of checks | Varies per order |
| Visa Debit Card Fees | Amount |
|---|---|
| Monthly service fee & minimum deposit | No charge per month |
| Non TFCU ATM transactions (5 per mo FREE) | $1.00 per transaction after first five, per month |
| ATM transactions done at TFCU machine | No charge per transaction |
| Overdraft of account* | $29.00 per overdraft (daily limit of 8 items per day) |
| Point of sale transactions (no limit) | No charge per transaction |
| Empty envelope deposit | $29.00 per deposit |
| Sight draft – keyed error | $10.00 per draft |
| EMV Debit Card replacement | $15.00 per card |
| Copy of sales draft | $6.00 per copy |
| Credit Card Fees | Amount |
|---|---|
| Card replacement | $15.00 per card |
| Late Fee | $15.00 per month |
| Over limit fee | $15.00 per month |
| Annual fee | None |
| Copy of sales draft | $5.00 per item |
| Voice Response/Home Banking/Bill Pay | |
|---|---|
| Transfers between accounts | No charge per item |
| Pay bills online w/ Bill Pay | Free if at least one bill is paid per month. If not, $5.00 per month non-use fee |
| VR Balance, Transaction, or History inquiry | 1st five free per month, then .50 per phone call per month |
| Miscellaneous Fees | Amount |
|---|---|
| Deposited check returned unpaid | $10.00 per check |
| Telephone transfer (called into office) | $3.00 per check |
| Outgoing wire – USA | $25.00 per wire |
| Incoming wire – USA | $5.00 per wire |
| Account opened/closed within 90 days | $15.00 per account |
| Dormant account/non-use | $5.00 per month |
| Miscellaneous item that overdrafts account* | $29.00 per item |
| Printout account history between statements | $5.00 per item |
| Dishonored ACH debit origination | $10.00 per item |
| Early withdrawal of Christmas Club | $5.00 per withdrawal |
| Cashiers Check (1 free per month) | $3.00 thereafter |
| Visa Gift Card | $3.50 per card |
| Coin Counting – not deposited to account | 2% of coin counted per transaction |
| Check cashing (< $100 balance in accounts or relationship) | 2% per check amount |
| Notary public | No charge per items |
| Collection item presented (mail or person) | $15.00 per item |
| Mail returned for incorrect address | $5.00 per item |
| Garnishment, executions, levies | $45.00 per item |
| Verification of deposit | No charge per request |
| Return Mail | $5.00 per item |
| Convert from e-Statement to paper statement | $5.00 per account |
| Corporate Check copy | $5.00 per check |
| Corporate Check stop payment | $29.00 per check |
| Certified CU Check | $10.00 per check |
| Canadian Check Deposit | Conversion fee passed on plus $5.00 per deposit |
| Loan Coupon Book | $15.00 per book |
| IRA Transfer | $25.00 per transfer |
| Escrow Account | $25.00 annual |
| Skip a Loan Payment – Holiday | $20 per loan – multiple loans allowable |
| Loan Subsequent Action | $20 per form |
| ACH origination from other institution | $2.00 per item |
*Overdraft fees including transfer and NSF, are imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means.
*Courtesy Pay is a voluntary arrangement that covers checks and automatic electronic payments that overdraw your checking account. This agreement is extended after 6 months of membership in good standing. For each check or other item paid, there is a $29.00 fee and account must be brought positive within three business days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.
