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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

Each withdrawal after 1st per month $5.00
Low Balance $10.00/month
Paramount Money Market 

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 

Each withdrawal after 1st per month $5.00
Loyalty Loan Secured Share Account Maintenance  $5.00
Share Savings

Each withdrawal after 6th per month $5.00

Share Draft Services

Basic Share Draft with free checks $5.00/month
Millennial Checking $5.00/month
Rewards Checking Below Minimum Deposit $5.50/month
Loyalty Checking Below Minimum Balance $5.00/month
Fresh Start Account  $8.00/month
ACH Return $40.00
Paper Statement $2.00
Overdraft Protection (ODP) Item $30.00
All Checking Accounts Reinstatement with ODP
All Checking & Fresh Start Accounts Reinstatement without ODP
Non-Sufficient Funds (NSF)
Return Deposited Check
Stop Payments

Bill Pay
Payment returned due to member error,
Cancellation (after cut-off time)
ACH Return
Reinstatement $50.00
Overnight $14.95

Business Account Services

Premier Business Share Draft
Below Minimum Balance 
Over 50 Transactions
$1.00/per transaction
Elite Business Share Draft
Below Minimum Balance 

Lending Services

Late Loan Payment
5% of unpaid balance/after 10 days
Loyalty Loan/Buy Now, Pay Later Application
Loyalty Loan/Buy Now, Pay Later Reinstatement
Document Processing $50.00
Loan Extension 
$100.00/after 14 days
Additional Lien Release Request
UCC Filing $100.00

Card Services

Debit/Credit Card - Replacement  $15.00
Debit/Credit Card - Rush  $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% 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 $4.50/per card

 Miscellaneous Services

Account Transfer $25.00
Account Closing $25.00/after 2 months from opening
Account Review/Research/Reconciliation
$25.00/per ½ hour
Research Fee due to Invalid Dispute Claim $200.00
Returned Mail
$7.50/per returned item
Returned Mail - Collection Item
$10.00/per returned item
Notice to Mailer of Correction in Address Varies
Certified Mail $6.00
Cashier's Check $5.00
Dormant Account (2 years or more) $25.00/month
Invalid ATM Deposit $35.00
History Print-Out/Statement Re-Print $10.00/month
Notary Service – Non-Member $4.00 ($2.00 per notarial act)
Tax Levy/Garnishment $50.00
Escheatment $50.00/per share
Legal Copy $0.25/per copy
Account Inquiry $2.00
Balance Inquiry (ATM)^
^Non-TEFCU owned ATMs only. Fee charged per inquiry.

ATM Withdrawals§

§Non-TEFCU owned ATMs only. Fee charged per ATM withdrawal after the 3rd ATM withdrawal for the month.


Online Banking Password Reset


Paper Copies

$1.00/per page
 Wire Transfers

Outgoing Domestic (Online) $30.00
Outgoing Domestic (In-Branch) $45.00
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.