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Fee Schedule

 

Schedule of Fees  
Effective Date: March 1, 2017  
  Current Fees
   
General  
Account Maintenance Fee - Waived with online statement  $                    2.25
Account Closed Membership Within 6 Months  $                  30.00
Account Closing Balance Less than $4.00 Balance
Account Number Reassignment (more than once in the same calendar year)  $                  35.00
Certified Checks  $                    5.00
Official Checks  
   Payable to Member No Fee
   Payable to 2nd Party  $                    5.00
   Outstanding Official Check (after 6 months)  $50 per month 
Money Orders  
   Money Orders to Members  $                    4.00
   Money Orders to Non-Members  $                    6.00
American Express Travelers Checks  
   American Express Travelers Checks - Standard $0.50/$100
   American Express Gifts Checks $2.50 Each
Staff Assisted Telephone Transactions Fee  $                    2.50
Overnight Delivery Service - U.S. Weekdays Our Cost
Certified Mail Our Cost
Written Verification of Account Balance (Deposit and/or Loan)  $                  10.00
Non-Member On-Us Check Cashing  $10 per check 
Move Loans From One Membership Account to Another  $                  25.00
   
Wire/Cable Transfer of Funds  
Incoming Wires - Domestic or Foreign No Fee
Outgoing - Domestic  $                  20.00
Outgoing Wires - Foreign  $                  75.00
Returned Wire Transfer Fee - (Incorrect Instructions)  $                  35.00
Funds Transfer (Internet) Between TDFCU  
Account and Account Elsewhere:  
   Incoming No Fee
   Outgoing  $                    5.00
   
Bill Payer Services  
Unlimited Internet & Telephone Access No Fee
No Bill Payment Activity After Three Consecutive Months $6 per month
Stop Payment of Bill Payment Transaction  $                  35.00
Bill Payment - Photo Copy of Bill Payment Checks $6.00 Each
Transfer Funds Out of TDFCU Between My Accounts  $                    5.00
Transfer Funds Out of TDFCU  to Pay Other People  $                  15.00
   
MasterCard Debit and Credit Card  
ATM Surcharge fee - Foreign Card On Us Fee- Transaction/Inquiry  $                    3.00
ATM Surcharge fee - Foreign ATM Fee  $                    2.00
ATM -TDFCU Owned and ATMs in the CU24 and Co-op Networks No Fee
Debit or Credit Card Replacement PIN - First One Free   $                    6.00
Card Replacement - at Expiration No Fee
Card Replacement -  Lost or Stolen - First one free  $                  25.00
Cash Advance Fee (Debit or Credit Card) 2.5% of Amount
Late Payment Fee  $                  25.00
Over Limit - Credit Card  $                  25.00
Point of Sale Merchants  
   With Check Card - Merchants  $                    0.70
Cross Border Currency Fee 0.9% of Amount
Single-Currency Conversion Fee (On Foreign Transactions Using  
  MasterCard Check Card or MasterCard Credit Card) 0.8% of Amount
International Currency Fee 0.2% of Amount
MasterCard Receipt Retrievals  $                  25.00
   
Checks, Checking and Saving Accounts  
Account Overdraft per Item  $                  35.00
Check Cashing Fee  $                    1.00
Courtesy Pay per Item  $                  35.00
Deposited Check Returned  $                  30.00
Inactive/Dormant Membership - After 2 years  $6 per month
Money Market Account - Over 6 Withdrawals  $                  35.00
Returned Your Check (NSF)  $                  35.00
Returned Your EFT/ACH (NSF)  $                  35.00
Revoking Stop Payment  $                  30.00
Saving Account over 6 Electronic Withdrawals  $                  50.00
Automatic Overdraft Transfers from Savings (First 3 free - limit six (6) per month)  $                    2.00
Share Draft Copies $6.00 Each
Statement Copies - Each Statement $6.00 Each
Returned Statement Fee  $                    7.00
Stop Payment Your Check, EFT/ACH, Official Check  $                  35.00
Temporary Counter Checks - Minimum 5 checks  $0.75 per check 
Early Withdrawal Holiday Account  $                  10.00
Uncollected Funds Fee  $                  35.00
   
Other  
International ACH Transaction - Manual Processing Fee  $0.25 per transaction 
Abandoned Property Fee  $                  75.00
IRA Account Rollover/Transfer to Another Institution  $                  40.00
Levy/Garnishment Attachments  $                  50.00
Reclamation Processing Fee  $                  50.00
Re-open Membership Account - (Caused TDFCU a Loss)  Fee  $                  10.00
Research - Record Searches, Reconcilement, etc. $25 minimum $45 per hour
 Bad Address /Address Locator Fee  $                    6.00
Returned Mail Fee  $                    6.00
Shared Branch Deposit/Withdrawals  $                    1.50
Foreign Transaction Adjustment (Example Returned Non-member Deposit)  $                    5.00
Invalid ATM Deposit Fee (Empty Envelopes, Post Dated Checks,Etc.)   $                  20.00
Statement Duplicates to Another Address $6.00 Each
Subpoenas $60 per hour
   
Loans  
Mortgage Applications Fee - Refunded at Closing  $                300.00
T-Loan Application Fee  
   With Direct Payment - Annual Fee Per Application  $                    1.00
   Without Direct Payment - Annual Fee Per Application  $                    3.00
Returned Loan Payment (Check)  $                  40.00
Refinance Fee - For Vehicle Already Financed With Us  $                350.00
Late Loan Payments  20% of interest due 
Home Equity Product Subordination  $                400.00
Guaranteed Asset Protection (GAP) Insurance  $400 to $570 
Lien Recording Charge - for loans secured by vehicles  Amount Charged by Your State 
Request for written loan pay off letter (autos and home equities)  $                  15.00