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Experience Checking
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No fee with $2,500 Average Daily Balance or if the primary member is age 65 or above.
No fee if the household meets at least one of the qualifications below:
- Direct Deposit* and 5 Bill Payer transactions or 10 Debit Card transactions per month,
- $10,000 in aggregate deposit balances,
- $25,000 in aggregate loan balances, or
- Has a CuCorp, Inc. mortgage.
*Direct Deposit is defined as any incoming deposit through ACH or Payroll Deduction or deposits of at least $1,000 per month. If the household meets the Direct Deposit qualifications but not the 5 Bill Payer transactions or 10 Debit Card transactions the monthly service fee will be $3.00
If no qualifications are met, monthly fee is $10.00.
No per check charge up to 20 checks each month, $.25 thereafter.
Dividends are earned on accounts with an average daily balance of $2,500 or more. (See Rates.) Rates are variable.
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| Student Checking |
No service fee. No per-check charge up to 15 checks per month, $0.25 per check thereafter. |
| Regular Share Savings |
No fee for first withdrawal each month. $5 for subsequent withdrawal. (Additional fees may apply to ATM/Debit withdrawals.) No fee for member transfers. Balances of $500 or less in savings with no other services will be charged a $5 check cashing fee per transaction. |
| Regular Share Inactivity |
A Regular Share Account with less than $250, no other services and no activity for 3 months will incur a $5 per month fee. |
| ATM/Debit Cards |
No fee. Lost/reissue card $5. New PIN $3. |
| TTCU ATMs |
Checking: Free withdrawals, inquiries and transfers.
Savings: 1 free withdrawal per month. $1 per withdrawal thereafter.
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| Non-TTCU ATMs |
Checking: 2 free withdrawals per month. $1 per withdrawal thereafter. 50¢ per inquiry or transfer.
Savings: 1 free withdrawal per month. $1 per withdrawal thereafter.
(Surcharges may apply outside MoneyTower or CO-OP Network)
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| Smart Branch (Internet Banking) |
No fee. |
| Bill Payer |
No fee. |
| MasterCard/VISA Cards |
No fee for members with Believe it! or Leisure Class Accounts. All others no fee with usage. Otherwise $25. |
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Tennessee Gold MasterCard
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No fee with usage. Otherwise $35. |
| Platinum Visa |
No annual fee. |
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IRAs
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No set-up fee. No annual fee. Early withdrawal or IRS penalties may apply. |
| Share Certificates |
Early withdrawal penalties may apply. |
| Summer PayDays |
$5 per withdrawal or transfer before distribution date. |
| Summer Fun Account |
No fee for first withdrawal each month. $5 for subsequent withdrawal. |
| Christmas Club |
$5 per withdrawal or transfer before distribution date. |
| New Beginning Program |
Checking: No fee with Direct Deposit
Otherwise, $7.00 per month
Loans: $10.00 application fee
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| Other Check Services |
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| Cashier Drafts |
$5 |
| Money Orders |
$3 |
| Check Printing |
Fees may vary. |
| Counter Checks |
No fee for new accounts. Otherwise $2 per 10. |
| Printed Activity Report |
$5 per request.
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| Returned Item Fees |
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| Non-Sufficient Funds (NSF) |
$28 (all types) |
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Returned Deposit Item
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$12 |
| Uncollected Funds Fee |
$28 (all types) |
| Privileged Assurance |
$28 per paid overdraft (all types) |
| Special Considerations |
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| Stop Payment |
$25/ Electronic Stop Payments $5 |
| Account closed for NSF |
$25 |
| Wire Transfer |
$15 domestic, $45 foreign |
| Reconcile Account |
$25 per hour. No charge for new accounts in first 3 months. |
| Verification of Deposit |
$10 |
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Foreign & Other Collection
Items
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$10 plus outside costs incurred |
| Check Photocopies |
$3 each. / Online copies - free |
| Research Account |
$25 per hour. |
| Statement Copy |
$5 per statement. |
| Safe Deposit Boxes |
Available at Main Branch, Rivergate branch, Sunset Branch, and Cool Springs Branch. Call for pricing. |
Mail returned to Credit Union
(due to incorrect address) |
$5 |
