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Fee Schedule



  Per Value of One Share  (One share is required for membership. Two shares are required for a joint account). 5.00
  1st Box of Checks when opening Freedom Checking Free
  2 Money Order/Day with Checking & Direct Deposit Free
  Account Research/Reconstruction/Reconciliation 20/hr
  ATM Balance Inquiry (in excess of 1/month at  non-TFCU ATMs) 1.00
  ATM Deposit Correction 10.00
  ATM Transactions at TFCU-owned ATMs Free
  ATM Withdrawals (in excess of 6/month at  non-TFCU terminals) 1.00
  Automatic transfers to TFCU loans and accounts Free
  Card Replacement 5.00
  Certified Credit Union Check 10.00
  Certified Member Check 5.00
  Check Copy 2.00
  Check By Phone-Loan Payment from Non-TFCU Account 5.00
  Check-cashing for Non-Member/3rd party 10.00
  Closed Account (if closed within 60 days) 15.00
  Collection Item - Member Checks 15.00
  Consumer Loan Applications Free
  Copy of Source Document 2.00
  Copying of Non-Financial Document .50
  Courtesy Pay  If you overdraft your account for a total of $10 or less, Grace Amount Processing will cover your overdraft without applying the Courtesy Pay service charge. If your overdraft total exceeds $10, then the Courtesy Pay service charge applies. 30.00
  Debit Card (Initial) Free
  Deposited/Cashed Item Returned 10.00
  Deposited/Cashed Item Returned (own other account) 30.00
  Dormancy (after 1 year) 5.00
  Exceed Reg D Transaction Limits 10.00
  eStatements (electronic account statements) Free
  Fax Service 5.00
  Financial Check-up Free
  Foreign Currency Purchase 5.00
  Foreign Checks Subject to Collection Varies
  In Touch Audio Phone Banking Free
  Interim Statement 2.00
  IRA Savings Account1 Free
  Professional Counsel Review/Legal Processing 100.00
  Money Orders 1.00
  Non-sufficient Fund or Uncollected Funds 30.00
  Notary Public Service Free
  Online Banking, Bill Pay, Mobile Banking and Deposits2 Free
  Online Check Copies Free
  Overdraft Transfer Protection from savings 5.00
  Person to Person Payment System (Popmoney™) Varies3
  Personalized Debit Card 5.00
  Protest 25.00
  Redeposited Item 5.00
  Reporting Abandoned Accounts to NY State 10.00
  Returned Mail/Bad Contact (after 1 time) 2.00
  Signature Guarantee Free
  Starter Checks (in excess of 4) 1.00
  Statement Copies 2.00
  Stop Payment Request 20.00
  Wire Transfers (Incoming) 10.00
  Wire Transfers (International) 40.00
  Wire Transfers (Outgoing) 18.00

  Business Account Charges

  Monthly Maintenance Charge Basic Business Checking 5.00
  Monthly Maintenance Charge Regular Business Checking  (if account balance falls below minimum) 5.00


1 Early withdrawal penalties may apply.           2 Data and text charges may apply.             3 Disclosed at time of service