Schedule of Fees
| Service | Fee |
|---|---|
Share ServicesCertificate Early Withdrawal (After 7 days)
|
1 Quarter’s dividend
|
Holiday Club/Family Security Plan Share Withdrawals
| Each withdrawal after 1st per month | $5.00 |
| Low Balance (per month) | $10.00 |
Paramount Money Market Withdrawals
| Each withdrawal after 3rd per quarter | $10.00 |
Auto Secured Share, Credit Builder Share, Loyalty Loan Secured Share, Secured Share, Special Savings, and Visa Secured Share Withdrawals
| Each withdrawal after 1st per month | $5.00 |
Share Savings
| Each withdrawal after 6th per month | $5.00 |
Share Draft Services
| Basic Share Draft with free checks (monthly) | $5.00 |
| Millennial Checking Fee (monthly) | $5.00 |
| Rewards Checking Below Minimum Deposit Fee (monthly) | $5.50 |
| Loyalty Checking Below Minimum Balance Fee (monthly) | $5.00 |
| Fresh Start Account Fee (monthly) | $8.00 |
| New Fresh Start Account Fee | $50.00 |
| ACH Return | $40.00 |
| Paper Statement | $2.00 |
| Overdraft Protection (ODP) Item | $30.00 |
| All Checking Accounts Reinstatement with ODP |
$150.00 |
| All Checking & Fresh Start Accounts Reinstatement without ODP |
$100.00 |
| Non-Sufficient Funds (NSF) |
$35.00 |
| Return Deposited Check |
$40.00 |
| Stop Payments |
$35.00 |
|
Payment returned due to member error,
Cancellation (after cut-off time)
|
$7.50 |
| ACH Return |
$40.00 |
| Reinstatement Fee | $50.00 |
| Overnight | $14.95 |
Business Account Services
Premier Business Share Draft
| Below Minimum Balance Fee (monthly) |
$10.00 |
| Over 50 Transactions |
$1.00 per transaction |
Elite Business Share Draft
| Below Minimum Balance Fee (monthly) |
$10.00 |
Lending Services
| Late Loan Payment (After 10 days) |
5% of unpaid balance |
| Loyalty Loan Application |
$45.00 |
| Loyalty Loan Reinstatement |
$250.00 |
| Skip a Payment |
$50.00 |
| Extension Fees |
$50.00 |
| Collection Fee (After 14 days) |
$100.00 |
| Additional Lien Release Request |
$10.00 |
| UCC Filing Fee | $100.00 |
Card Services
| Debit/Credit Card - Replacement Fee | $15.00 |
| Debit/Credit Card - Rush Fee | $45.00 |
Classic/Platinum/Classic Secured/Business Visa®
| Annual Fee (Classic Secured Visa®) | $25.00 |
| Annual Fee (Business Visa®) | $50.00 |
| Overlimit | $29.00 |
| Foreign Transactions | 1.00% of each transaction after conversion to US dollars |
| Cash Advance | Either $5.00 or 1% of the amount of each Cash Advance, whichever is greater (maximum: $50.00) |
| Late Payment | $15.00 |
| Returned Payment | $40.00 |
Visa® Checking-Less Card (Reloadable)
| Monthly without Direct Deposit | $3.00 |
| Reload Fee | $2.50 |
| Domestic ATM | $1.50 per transaction |
| International ATM | $3.00 per transaction |
| POS PIN or ATM Balance Inquiry | $0.50 per transaction |
| Cash Advance | $5.00 |
| Replacement Card | $5.00 |
Visa® Gift Card
| Visa® Gift Card (per card) | $4.50 |
Miscellaneous Services
| Account Transfer Fee | $25.00 |
| Account Closing (2 months from opening) | $25.00 |
| Account Review/Research/Reconciliation (per ½ hour) | $25.00 |
| Research Fee due to Invalid Dispute Claim | $200.00 |
| Returned Mail (per returned item) |
$7.50
|
| Returned Mail - Collection Item (per returned item) |
$10.00
|
| Notice to Mailer of Correction in Address | Varies |
| Certified Mail | $6.00 |
| Cashier's Check | $5.00 |
| Dormant Account (3 years or more – per month) | $10.00 |
| Invalid ATM Deposit | $35.00 |
| History Print-Out/Statement Re-Print | $10.00 (per month) |
| Notary Service – Non Member | $4.00 ($2.00 per notarial act) |
| Tax Levy/Garnishment | $50.00 |
| Escheatment (per share) | $50.00 |
| Legal Copy | $0.25 (per copy) |
| Account Inquiry | $2.00 |
|
Balance Inquiry (ATM)^
^Non-TEFCU owned ATMs only. Fee charged per inquiry.
|
$0.15 |
|
ATM Withdrawals§ §Non-TEFCU owned ATMs only. Fee charged per ATM withdrawal after the 3rd ATM withdrawal for the month. |
$0.75 |
|
Online Banking Password Reset |
$3.00 |
|
Paper Copies |
$1.00 (per page) |
Wire Transfers
| Outgoing Domestic | $30.00 |
| Outgoing International | Varies |
| Returned Wire Fees (Domestic and International) | $35.00 |
If you have any questions about our Schedule of Fees, please do not hesitate to call a Member Services Representative by sending a message through Online or Mobile Banking.