Schedule of Fees
| Service | Fee |
|---|---|
Share ServicesCertificate 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 |
$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 | $50.00 |
| Overnight | $14.95 |
Business Account Services
Premier Business Share Draft
| Below Minimum Balance |
$10.00/month |
| Over 50 Transactions |
$1.00/per transaction |
Elite Business Share Draft
| Below Minimum Balance |
$10.00/month |
Lending Services
| Late Loan Payment |
5% of unpaid balance/after 10 days |
| Loyalty Loan/Buy Now, Pay Later Application |
$45.00 |
| Loyalty Loan/Buy Now, Pay Later Reinstatement |
$250.00 |
| Document Processing | $50.00 |
| Skip-a-Payment |
$50.00 |
| Loan Extension |
$50.00 |
| Collection |
$100.00/after 14 days |
| Additional Lien Release Request |
$10.00 |
| 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.
|
$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 (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.