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Experience Checking
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Any account with Direct Deposit*, Average Daily Balance of $2,500 or the primary member is age 65 or above will have no monthly service charge. Otherwise $10 per month. 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. Rates are variable.
*Direct Deposit is defined as any incoming deposit through ACH or Payroll Deduction or deposits of at least $1,000 per month.
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| New Beginning Program |
Any account with Direct Deposit will have no monthly service charge. Otherwise $7 per month.
*Direct Deposit is defined as any incoming deposit through ACH or Payroll Deduction or deposits of at least $1,000 per month.
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Young Professionals Club
(Ages 18-25) |
Initial $25 Deposit. No monthly service charge, no minimum balance, No per-check charge, free Smart Branch, Bill Payer and MasterCard Debit Card. Free checks and checkbook cover. Dividends paid on balances of $250 or greater. 1% discounted interest rate on initial (non revolving) loan. |
| Student Checking |
No service fee. No per-check charge up to 15 checks per month, $0.25 per check thereafter. |
| Youth Checking (Ages 15-17) |
Must have an adult on the account. No minimum balance, no per-check charge and free checks with a customized checkbook. |
| Regular Share Savings |
No fee for first withdrawal each month. $5 for subsequent withdrawals. (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. |
| Single Service Fee |
A Regular Share account opened at least 6 months, with balance of $250 or less. Excludes ages 25 or younger, 65 or older. $5 per month fee. |
| Early Closure Fee |
Account closed within 90 days of opening. Lesser of $25 or account balance. |
| Garnishment/Levy Fee |
Applied to any account receiving a garnishment or levy. $100 per garnishment/levy. |
| 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 |
Surcharges may apply on ATM machines not within Money Tower or CO-OP Network.
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.
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| Smart Branch (Internet Banking) |
No fee. |
| Bill Payer |
No fee. |
| VISA Classic Card |
No annual fee. |
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Tennessee Gold MasterCard
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No annual fee. |
| 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 each subsequent withdrawal. |
| Christmas Club |
$5 per withdrawal or transfer before distribution date. |
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New Beginning Program
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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's Checks |
$5 (1 free per month with Leisure Class) |
| Money Orders |
$3 (1 free per month with Leisure Class) |
| Check Printing |
Fees may vary. Free checks with Believe It! Money Market Account and Young Professionals Club |
| 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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| Negative Balance Fee |
For each day account has negative balance greater than $35. $1 per day. |
| Non-Sufficient Funds (NSF) |
$30 (all types). |
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Returned Deposit Item
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$30 |
| Uncollected Funds Fee |
$30 (all types). |
| Privileged Assurance |
$30 per paid overdraft (all types). |
| Special Considerations |
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| Stop Payments |
$30 / Electronic Stop Payments $5 |
| ACH Rush Stop Payment Fee |
ACH Stop Payment Order received less than 3 business days before payment due. $50 |
| 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, Rivergate, Sunset, and Cool Springs branches. Call for pricing. |
Visa Gifts Cards
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$3 per card. Values range from $10 to $500. Nonreloadable. |
Mail returned to Credit Union
(due to incorrect address) |
$5 |
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