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Transit Employees Federal Credit Union

Schedule of Fees


Service Fee

Share Services

 
Certificate Early Withdrawal (After 7 days)
 
 
 
1 Quarter’s dividend
Holiday Club/Family Security Plan Share Withdrawals

First 3 per Quarter $10.00
Low Balance (per month) $10.00
Paramount Money Market Withdrawals

Each withdrawal after 3rd per Quarter $10.00

Share Draft Services


ACH Return $35.00
Paper Statement $1.00
Below Minimum Balance Fee* (monthly)
*Fee applies to Loyalty Checking
$1.95

Bill Pay

Payment returned due to member error
$5.00
Cancellation (after cut-off time)
$7.50
Charitable Donations
$1.99
Express Mail Correspondence
$15.00
ACH Return
$35.00
Overdraft Protection (ODP) Item**
**Not applicable to Premier or Elite Business Share Drafts
$30.00
Proof of Payment
$10.00
Written Correspondence to “Payee”
$10.00
Overnight $14.95
2nd Day $9.95
 Other Share Draft Services

Reinstatement with ODP
$150.00
Reinstatement without ODP
$50.00
Non-Sufficient Funds (NSF)^
^Reg. D limitations apply
$35.00
Return Deposited Check
$35.00
Starter Checks (8 Checks)
$10.00
Stop Payments
$35.00
Uncollected Funds $35.00

Business Account Services

 
Premier Business Share Draft
Below Minimum Balance Fee (monthly)
$8.95
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

Card Services

 
ATM/VCC Replacement Card (After 2nd Request)
$10.00
Classic/Platinum/Secured VISA®

Annual Fee (Secured VISA®) $25.00
Overlimit $29.00
Foreign Transactions 1.00% of total purchase
Late Payment $15.00
Returned Payment $25.00

VISA® Checking-Less Card (Reloadable)

Monthly without Direct Deposit $3.00
Reload Fee $2.50
Activation Fee $3.00
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
VISA® Travel Card

VISA® Travel Card (per card) $9.50
Companion Card (per card) $2.95
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
Reload $5.00
International Purchase 3.00% of total purchase
Inactive 12+ months (per month) $2.95

 Miscellaneous Services


Account Transfer Fee $25.00
Account Closing (2 months from opening) $25.00
Account Review/Research/Reconciliation (per ½ hour) $25.00
Returned Mail (per returned item) $5.00
Notice to Mailer of Correction in Address Varies
Certified Mail $6.00
Check by Phone (Collection Items) $10.00
Dormant Account (3 years or more – per month) $10.00
Inactive Account (1 year or more – per quarter) $10.00
Invalid ATM Deposit $35.00
Statement Re-Print (within 6 mo. of current date) $2.00 (per month)
History Print-Out/Statement Reprint (older than 6 mo.) $10.00 (per month)
Notary Service – Non Member $4.00 ($2.00 per notarial act)
Stop Payment (non-personal checks) $35.00
Tax Levy/Garnishment $50.00
Escheatment (per share) $50.00
Account Inquiry $2.00
Balance Inquiry (ATM)+
+Non-TEFCU owned ATMs only. Fee charged per inquiry after the 4th balance inquiry for the month.
$0.10

ATM Withdrawals

Non-TEFCU owned ATMs only. Fee charged per ATM withdrawal after the 4th ATM withdrawal for the month.

$0.50
 Wire Transfers

Outgoing Domestic $25.00
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 at (301) 289-9800, option 1.